摘要：本文通过对中国、德国和意大利中小企业融资现状的分析总结，发现我国中小企业融资困难主要原因是融资渠道单一，政府扶持力度不够，法律体系不完善，信用担保体系建设相对滞后等；德国和意大利同样拥有众多中小企业，并在解决中小企业融资问题方面有更加丰富的经验，分别改善了以政策性银行为中心的银行体系，引导和规范中小企业融资行为的法律体系，系统服务中小企业的金融机构以及保障扶持中小企业融资的信用担保体系等；并比较中国和德国、意大利在解决中小企业融资难问题上的方法，取长补短，对中国解决中小企业融资难问题提出了法律体系、信用担保体系、直接融资、间接融资和企业自身素质建设方面的建议，以促进我国中小企业持续、良好、快速发展。

关键词：中小企业 融资方式 经验借鉴 政策体系

Abstract：Based on the current situation in China, Germany and Italy, analyzed and summarized SME financing, financing difficulties of SMEs found that the main reason is the financing channels for a single, government support is not enough, the legal system is imperfect, the credit guarantee system construction is lagging behind, etc.; Germany and Italy Finance also has a large number of SMEs, and have more experience in terms of solving the financing problems of SMEs, namely to improve the policy bank-centric banking system, guide and regulate the behavior of SME financing legal system, system services to SMEs institutions to support SME financing and the protection of the credit guarantee system, etc.; and compare China and Germany, Italy, in solving the problem of financing SMEs approach each other, for China to solve the problem of financing SMEs proposed legal system, the credit guarantee system, direct financing and indirect financing proposal their own quality building, in order to promote SMEs in China continue, good, fast development.

Key words: Small and medium-sized enterprises(SEMs) Financing Experience Policy system