摘要:中小企业的融资难题，不是一个近些年来才出现的问题，但在我国，随着近些年来中小企业的迅速增加和发展，使这个问题越来越受到社会重视和关注。通过金融创新包括民间借贷、小额贷款尝等方式，试图解决这个问题。其他一些国家也经历过这样的尝试阶段。总结以往尝试过的解决方案，并与国外的一些经验相对照，认为要使中小企业融资问题得以解决，就必须要银行、政府、企业三方面共同合作，并在此基础上寻求融资的创新方法。

　　　本文中，主要研究了盐城市的中小企业的融资状况，通过这个范本，结合其他一些文献资料以及对盐城市中小企业的实际调查了解，并通过中小企业的融资状况实际分析，以及盐城市中小企业融资难的问题的成因与解决融资难的方法，据此通过对这些中小企业存在的风险与问题提出了合理性的解决方法。

关键词 融资；动因；模式；风险防范

Abstract:SME financing problem， not a problem only appeared in recent years， but in China， with the rapid increase in recent years and the development of SMEs， to make this problem more and more social attention and concern. Private lending through financial innovations include， microfinance taste， etc.， to try to resolve this problem. Some other countries have also experienced such a trial stage. Summarize the past tried solutions， and in contrast with some experience abroad that make SME financing problems are resolved， it must be banking， government， corporate three aspects together， and on this basis to seek innovative ways of financing .

　　　In this paper， the main research of Yancheng financing situation of SMEs， through this model， combined with some other documents as well as small and medium enterprises in Yancheng actual investigation， and through the financing situation of SMEs in the actual analysis， and Yancheng SMEs financing problem causes and ways to solve the financing difficulties which SMEs through the presence of these risks and issues a rational solution.

Keywords  Finance  motivation  model  risk prevention