摘 要:自改革開放以來，經(jīng)濟飛速發(fā)展，人民生活水平得到普遍提高，在經(jīng)濟發(fā)展過程中，中小企業(yè)一直是推動我國經(jīng)濟發(fā)展的重要力量,是國民經(jīng)濟的重要組成部分。作為我國經(jīng)濟增長的重要動力之一，要想使中小企業(yè)持續(xù)發(fā)展,就需要資金方面強有力的支持。受我國企業(yè)自身及政治體制、經(jīng)濟環(huán)境等多方面的影響，我國中小企業(yè)普遍存在融資方面的問題，主要表現(xiàn)為企業(yè)融資渠道狹窄，資金結(jié)構(gòu)存在諸多缺陷。加之目前的全球經(jīng)濟危機對我國經(jīng)濟的影響，眾多中小企業(yè)因資金缺乏，面臨著即將倒閉的困境，從更長遠的角度來看，“融資難，成本高，資金短缺”作為關(guān)鍵問題，在一定程度上制約著中小企業(yè)的成長，嚴重阻礙了我國中小企業(yè)的發(fā)展速度。只有緩解中小企業(yè)融資難的問題，擴大融資渠道，創(chuàng)造良好的融資環(huán)境，才能保證中小企業(yè)的良性發(fā)展，為我國國民經(jīng)濟的持續(xù)健康發(fā)展提供保障。

     本文選取我國中小企業(yè)作為主要研究對象，分析中小型融資難問題的必要性，研究影響和制約中小型企業(yè)融資的種種內(nèi)外源因素，包括企業(yè)自身導致的融資難問題，金融機構(gòu)體制不完善及銀行國家政策導致的融資難，通過對我國目前中小企業(yè)融資狀況，融資渠道進行分析，為解決企業(yè)融資問題提出可行性建議和理論指導。

關(guān)鍵詞：中小企業(yè)；融資；困境；金融機構(gòu)；對策

ABSTRACT:Since the reform and opening up, the economy has been growing rapidly and people's living standards have improved accordingly.During this process, small and medium enterprises(SEMs),which are important engines that drive national economy,badly need funding to keep sustainable growth. The prevailing problem is mainly due to Chinese corporate and political systems and economic climate,mainfesting itself in the few financing channels and loopholes in the capital composition.Many SEMs were put to the verge of bankruptcy when the economic crisis hit China.In the long run,financing problems,high costs and a shortage of funds will continue to be a serious impediment to the development of SMEs.Only by solving financing problems such as opening up more channels can we create a favorable enviroment for SMEs,which in turn will benefit the national economy.

　　　This paper chose Chinese SME’s financing problems as the subject of this paper and analyze them from the aspects of the importance of this study, the internal as well as external factors including incomplete financial institutions,banking systems and national policies that have impact on or restrain SMEs’ development.By analyzing the current problems,the writer hopes to be helpful in providing theoretical ruide as well as feasible suggestions to tackle the financing problems.

Keywords: SME; financing; plight; financial institutions; countermeasures