I
摘要
中小企业是国民经济的重要组成部分和社会生产力新的增长点，更是国家经济
最具活力的主体。中国作为发展中的大国，中小企业的地位和作用尤为重要，在确
保国民经济增长、缓解就业压力、社会稳定、实现产业结构优化和创新技术等方面，
起到了非常重要的作用。但是，现如今中小企业的发展也逐渐陷入困境，特别是融
资难问题已成为制约其发展的瓶颈。因此，研究中小企业的发展与制约其发展的融
资难问题，已成为当下的迫切需要。

全文共分六章。第一章绪论，主要研究的是选题背景和意义、国内外研究的现
状、研究内容、思路和创新点。第二章对中小企业的定义、融资的概念和特点、融
资方式和融资相关理论进行了研究阐述。第三章分析了我国中小企业发展状况、融
资现状及融资存在的问题。第四章深入研究了制约中小企业融资难问题的成因，包
括企业自身因素、金融体系因素、宏观经济环境因素、政府政策因素、融资渠道体
系因素、社会中介担保机构因素等，并以苏家屯区中小企业为例。第五章在前文基
础上，提出有效解决中小企业融资难的对策，主要有加大中小企业自身建设、加大
政府扶持力度、大力发展中小金融机构、健全中小企业信用担保体系、建立健全融
资中介机构、积极发展资产典当融资等新模式。第六章得出研究结论。

关键词：中小企业 融资难 问题成因 对策研究II
Financing problem for small and medium-sized enterprisesas
well as its countermeasure research
——Take small and medium-sized enterprises of
Sujiatun districtfor instance
Abstract
Small and medium-sized enterprises are important part of national economy and a
new growth point of social productivity,also the most dynamic main body of national
economy.China,as a large developing country, the position and function of its small and
medium-sized enterprises is particularlyimportant,they are playing important role in
ensuring the growth of national economy,relieving employment pressure,social
stability,realizing technology innovation,optimizing the industrial structure,etc.But
further development of small and medium-sized enterprises is now in trouble,especially
the difficult financing problem has become bottleneck of restricting its
development.Therefore,the research on development of small and medium-sized
enterprises and difficult financing problem restricting its development has become an
urgent need at present.
The whole article is divided into six chapters.1st chapter:introduction.It mainl
y makes researchon selected topic background and significance,current status of do
mestic and foreign research, research content, methods and innovation point.2nd
chapter makes research and description on the definition of small and medium-
sized enterprise,conception of financing and its characteristics, financing method
as well as financing related theories.3rd chapter analyzes the development situation
ofour nation’s small and medium-sized enterprises, current financing situation as
well as existing problems in financing.4th chapter takes small and medium-sized e
nterprises of Sujiatun districtfor instance, analyzes the causes of difficult financing
problem restricting small and medium-sized enterprises,including internal factors,fi
nancial system factors, macro-economic environment factors, government policy f
actors, financing channel system factors, social intermediary agencies factors,etc.5th
chapter raises countermeasures for difficult financing of small and medium-sized
enterprises based on preamble,including intensify the building own ability and qual