摘 要:中小企業在我國經濟發展中是最具活力的經濟組織，是我國經濟結構的重要組成部分，但由于其自身規模較小，資金結構不合理，經營管理不夠完善等原因，獲取資金的渠道狹窄，來源匱乏，很難獲得有效的資金支持。融資難成為阻礙中小企業企業發展的最大瓶頸。雖然各級政府一直在努力扶持小企業發展，也出臺了許多政策來改善現有狀況，但融資難的問題始終存在且沒有得到有效的解決。本文在分析中小企業融資現狀后認為，間接市場融資雖然范圍大、方式多，但對于本身很發展并不完善的中小企業而言，操作上有一定難度，風險也較大。而商業銀行作為社會資金供應主體，作為中小企業融資的主要途徑，不僅應在可融資途徑及內部制度上推陳出新，而且更應該尋求模式的創新。這不僅是從銀行單方面入手進行管理模式的改變，而是需要政府支持，企業配合。在對商業銀行對中小企業現有金融模式存在問題的分析上，提出了成立中小企業借貸管理中心、組建中小企業小組等一些具體的建議，希望可以對銀行業現有關于中小企業融資方面問題提供一條較好解決思路。

關鍵字：中小企業；商業銀行；模式；創新

ABSTRACT:SME（Small and medium enterprise）is the most dynamic economic organization of China's economic development and is an important part of China's economic structure, but because of its small size, irrational capital structure , not perfect management and other reasons,which led to the source scarce and narrow channels of access to capital ,make it difficult to obtain effective financial support. financing difficulties become the biggest bottleneck to prevent SME’s development . Although all levels of government has been working to support small business development, introduced a number of policies to improve the existing situation, but there is always being the problem of financing difficulties and have not been effectively resolved. after analyzes the current situation of SME financing , although indirect market has broad financing range and diverse way, but since the development itself is not perfect , the implement has a certain degree of difficulty and high risk. While commercial banks as the main supply of social capital and the main way of SME financing, not only should has financing and internal institutional innovation, but should also seek to model innovation. This need government support, enterprise cooperation instead of only start a unilateral change the bank managed mode . After analyzing existing financial model of commercial banks problems,i proposed some specific suggestions ,such as establishment SME lending management center and format SME lending groups , hoping to provide a better solution to the problem .

Keywords: Commercial bank; SME; Criterion; Model; Innovation