摘要：從改革開放到如今，金湖地區的中小企業已經發展了30多年，該地區的中小企業約占整個地區總企業的90%，創造出的GDP約占60%。但是發達地區相比，金湖地區的中小企業融資難問題嚴重，制約著金湖地區中小企業的發展。但是，民間金融為金湖地區中小企業發展提供了有力支持，特殊時期，金湖地區中小企業的資金大部分來自民間金融。可是很遺憾，民間金融組織經常被認為是非法的組織。所以，民間金融對金湖地區中小企業發展的作用也經常被忽略。

　　　本文采用文獻研究法、理論和實際結合法、案例分析法等方法以金湖地區中小企業做為研究對象，首先對中小民營企業、融資以及民間金融的概念進行了界定，然后分析金湖地區中小企業融資的問題，重點分析金湖地區民間金融在中小企業中的優勢，來說明民間金融與中小企業的重要關系。在上述分析的基礎上，提出金湖地區中小企業民間融資的對策與建議。這些研究與分析，有助于推動金湖地區中小企業的發展，對解決金湖地區中小企業融資難的問題起到一定的參考和借鑒作用。

關鍵詞 民間金融；中小企業；金湖地區

Abstract：From the reform and opening up to now, Jinhu region of small and medium-sized enterprises have developed more than 30 years, the area of small and medium-sized enterprises accounted for about 90% of enterprises throughout the region, to create the GDP was about 60%. But compared to developed regions, Jinhu region of small and medium-sized enterprise financing difficult problem seriously, restricts the development of small and medium-sized enterprises in Jinhu. However, the existence of private finance to support the development of small and medium-sized enterprises in Jinhu, the special period, the small and medium-sized enterprise most of the funds from the folk finance. But unfortunately, the folk financial organization is often regarded as illegal organization, has no legal status, therefore, for the development of small and medium-sized enterprises role is neglected.

　　　This article uses the literature research method, combined with theoretical and practical method, case analysis and other methods to small and medium enterprises in Jinhu area as the research object, first gives the definition of small and medium-sized private enterprises, financing and informal finance concept, and then analysis of small and medium-sized enterprises in Jinhu financing problems, focusing on the Jinhu area folk financial advantage in small and medium enterprises to illustrate the important relationship, informal finance and sme. On the basis of the above analysis, puts forward the countermeasures and suggestions of small and medium-sized enterprises in Jinhu area folk financing. These research and analysis, help to promote the development of small and medium-sized enterprises in Jinhu, a reference to solve the financing difficulty of small and medium-sized enterprises in Jinhu problems.

Keywords  Folk finance SMEs Jinhu