中文摘要：

真正影响中小企业和小微企业生存与发展的关键因素是融资渠道和银行利率吗？为了证实这个问题,作者选择了杭州北部软件园区及其周边纺织服装集聚区的二类企业进行了比较研究,分析了高新技术企业与一般传统企业主要学习障碍的差异性。作者认为克服组织学习障碍和进行开放式创新是传统中小企业转型升级的关键。

英文摘要：

Are financing channels and bank interest rates a key factor to affect the survival and development of SMEs？ To study this problem,the author carries out a comparative study of two types enterprises in Hangzhou Northern Software Park and its surrounding textile and garment aggregative area.This paper summarizes the main characteristics of learning barriers between the high-tech enterprise and the traditional enterprise.The author believes that overcoming organizational learning disabilities and making open innovation are fundamental to the transformation and upgrading of traditional SMEs