摘要:改革开放以来，我国中小企业迅猛发展，在促进市场竞争、增进市场活力、提供就业机会、推进技术创新等方面具有不可替代的作用。从目前各国情况来看，无论发达国家还是发展中国家，中小企业都是经济发展和社会稳定的重要支柱。然而，大多数中小企业都面临着融资难的困境，这不仅会受到由经济运行所带来的影响，而且会遇到经济体制制约因素和缺乏基本金融准则所带来的影响。因此，中小企业的融资问题在我国显得更为复杂，为此要制定相应的治理对策。在这样的形势背景下，本文希望通过对中小企业融资现状的分析研究，揭示造成中小企业融资难的根本原因，并提出相关的解决对策。

关键词: 中小企业；融资难；现状；原因；对策

Abstract:Since the reform and opening up policy was carried out, small- and medium-size enterprises have developed rapidly in our country; they take incomparable roles in invigorating market and stimulating competition, providing job opportunities, pushing forward technological innovations and etc.. From the prospective of countries across the globe, these enterprises are backbones of economic development and social stability regardless of whether in developed or developing country. However, many of them find themselves facing the dilemma of financing, which may not only place them under the influence of economic operation, but also bring in the impacts of economic constraints and lack of basic standard. Therefore, financing issue of small- and medium-size enterprises is complicated and counter plans must be made. Under the circumstance, this thesis is expected to reveal the root cause in financing issue and come up with solution, through analyzing current situation of financing in those enterprises.

Key Words: Small and medium-sized enterprises；Financing dilemma ；Condition；Reasons；countermeasures

　　　进入21世纪后，中小企业即面临着前所未有的发展机遇，也面临着严峻的挑战。尽管中小企业的融资难题已经引起世界各国的广泛关注，也提出了很多的解决方法，但是，毕竟造成中小企业融资难的原因是多方面的，因此，解决这个问题也必须从多方面入手。既要通过政府来调整法律法规，改善中小企业融资的宏观环境，又要通过银行等金融机构来调整贷款政策，放松对中小企业融资的限制条件，更重要的是中小企业应提高自身信用等级，树立良好的企业形象，充分发挥企业的主观能动性，依靠自身力量，与银行建立长期的银企关系。内外联动，共同努力，相信中小企业融资困难的难题会逐步得到解决。