摘要:中小企業(yè)融資問題已經(jīng)是一個(gè)老生常談的問題了，研究中小企業(yè)的文獻(xiàn)也是數(shù)不勝數(shù)。雖然已經(jīng)有了那么多的分析和研究，但是中小企業(yè)的融資問題并沒有得到很好的解決，尤其是受到金融危機(jī)的沖擊，使得這一問題更加的嚴(yán)峻，因此，我們?nèi)匀灰槍?duì)中小企業(yè)融資難問題，進(jìn)行更加深入的研究。

　　　想要分析研究中小企業(yè)，首先就要弄懂什么是中小企業(yè)，要了解與中小企業(yè)融資相關(guān)的基本概念，只有清楚了概念之后才能進(jìn)行正確的研究。本文首先介紹了世界上著名的一些理論研究，以及我國(guó)專家學(xué)者在國(guó)外理論研究的基礎(chǔ)之上所分析出來的我國(guó)中小企業(yè)解決融資難問題的方案和措施；其次分析了金融危機(jī)以來我國(guó)中小企業(yè)的現(xiàn)狀和面臨的困境；再次分析了國(guó)外解決中小企業(yè)融資問題比較成功的模式和經(jīng)驗(yàn)；最后自己在總結(jié)分析了國(guó)外經(jīng)驗(yàn)和我國(guó)的現(xiàn)實(shí)情況之后，提出了建立有效的中小企業(yè)融資機(jī)制的建議，包括建立健全中小企業(yè)融資法律體系，完善中小企業(yè)融資機(jī)構(gòu)體系、中小企業(yè)融資擔(dān)保體系以及中小企業(yè)的信用評(píng)價(jià)體系等。當(dāng)然想要解決中小企業(yè)融資問題最主要的還是要中小企業(yè)更加努力的轉(zhuǎn)變自己，做好企業(yè)自身。

關(guān)鍵字：中小企業(yè) 融資渠道 融資 融資模式 機(jī)制

ABSTRCT:SME financing is a commonplace problem, SME research literature is endless. Although there have been so many analysis and research, but SME financing problem has not been solved, especially by the financial crisis, making the problem even more serious, so we still have to make more and in-depth research finance for SMEs difficult problem.

　　　We must understand what is SME at first if we want to analysis it, and must understand the basic concepts related to SMEs financing, only be carried out after clear concept proper research. This paper introduces the some world famous of theoretical studies at first, as well as experts and scholars analyzed out to solve the problem of financing of SME programs and measures which on the basis of theoretical study in the foreign country. Secondly, analyzed of the current situation of SMEs facing difficulties after the financial crisis, and reanalyzed abroad to solve the problem of SME financing more successful models and experiences. Finally proposed that establishing effective mechanisms for SME financing proposals on the basic of summarized and analyzed the foreign experience and the reality of Chinese situation, including the establishment of a sound SME financing legal system, improve the institutional system of SME financing, SME financing credit guarantee system and evaluation system. Of course, the most important is that SMEs must be harder to change their own and do themselves well if they hope to solve the problem of financing.

Keywords: medium-size enterprises；financing channels；finance；financing model；mechanism