摘要:中小企業在我國企業中占據了絕大多數，已經成為了我國國民經濟當中的重要組成部分之一。中小企業不僅在稅收方面的貢獻極大，而且提供了大量的就業崗位，在我國國民經濟中發揮了經濟運行穩定器的積極作用。但是，發端于2008年的國際金融危機給我國中小企業造成了非常劇烈的沖擊。所謂后金融危機時期，主要指目前世界經濟所處的特殊時期，是世界經濟在遭受重創之后的脆弱復蘇時期，并且是否能真正實現經濟的完全回升，在尚不明確情況之下的一個艱難復蘇階段。后金融危機時代，中小企業面臨的一大難題是融資難問題。如何有效解決這一問題，推進中小企業的健康發展，是目前金融領域亟待研究的熱點問題。本文論述了后金融危機時代我國中小企業面臨的融資困境和融資機遇，分析了融資難的原因所在，并提出了解決后金融危機中小企業融資問題的幾點建議。 

關鍵詞: 經濟，融資，金融危機

Abstract:Small and medium enterprises in China accounted for the vast majority of China's national economy has become an important part of one of them. SMEs not only a great contribution in terms of taxation, but also provides a large number of jobs in our national economy has played a positive role of stabilizer. However, began in 2008, the international financial crisis on China's small and medium enterprises created a very dramatic impact. The so-called after the financial crisis, mainly referring to the world economy in which the special period, is the world's economy suffered heavy losses after the fragile recovery period, and it can really achieve full economic recovery is not clear circumstances in a difficult recovery stage. Post-crisis era, a major problem faced by SMEs is the problem of financing. How to effectively solve this problem, promoting the healthy development of SMEs, isthe financial sector needs to research a hot issue. This paper discusses thepost-crisis era financing difficulties faced by SMEs in China and financing opportunities, analyze the reason for difficulties in financing, and after the financial crisisput forward to solve the issue of SME financing proposals.

Key Words: Economics,Financial,crisis

　　　中小企業在國民經濟活動當中具有著非常重要的地位。不僅能夠保證實現充分就業的目標，更因為在促進發明創造、維持市場活力、提高經濟的效益、保證各企業充分競爭、確保國民經濟穩定運轉等方面有著大企業所無法替代的積極作用，受到了世界各國政府的重視。它們在促進中小企業發展當中采取了一系列的措施，其中的一些對我們或許會有一定的啟示和借鑒作用。