中小金融机构是指股份制商业银行和地方性金融机构，其经营机制较为灵活，服务对象最初是两小经济，即集体经济、个体私营经济，对支持非国有经济发展起到一定的扶持作用。
实证分析结果表明，中小金融机构对县域经济具有重要的推动作用。
The results show that the local small and medium financial institutions have played an important supporting role to county's economic growth.
同时发现，吉林省的中小金融机构面临的主要问题依然是如何降低不良贷款率、提高资产质量。
The main problem facing the small and medium financial institutions are still lowering the rate of non-performing loans and promoting asset quality.
由于中小金融机构没有风险承担的资本主体，处置不良资产风险的实质就是在寻找一个代位股东履行风险承担责任。
Because medium and small financial institutions have no capital subject to bearing risks, the essence of treating the risk of bad capital is to search for a subrogation shareholder.
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