目录
1.1 中小企业的概念和界定标准………………………………. 1
1.2中小企业融资模式的基本概念……………………………… 2
2.1我国中小企业融资资金构成……………………………….. 3
2.2 我国中小企业融资现状分析………………………………. 3
4 国外中小企业融资模式及其对我国的启示…………………… 6
4.1 对国外中小企业融资现状的分析…………………………… 6
4.2 国外中小企业融资对中国的启示…………………………… 7
（一）增加银行对中小企业信贷融资供给力度…………………. 8
1.调整银行业结构，建立多层次的银行融资体系……………….. 8
3.改进和完善国有商业银行对中小企业信贷的支持……………… 9
（二）完善金融机构对中小企业信贷融资风险管理制度………….. 9
1.加强信贷风险控制和管理，保证资金安全，…………………. 9
（四）建立健全中小企业融资信用担保体系………………….. 10
2.发展多形式的互助性融资担保………………………….. 10
（五）完善相关法律法规，规范中介机构行为………………… 11
综观世界各国经济发展，中小企业在各国经济发展中都是一支不可忽视的力量，中小企业既向社会提供了大量的产品、服务和劳动就业机会，同时也促进了社会经济的发展。
改革开放，特别是90年代以来，我国的私营企业取得了迅速的发展，在活跃市场经济、创造就业机会、满足社会需求等方面，发挥着越来越重要的作用。私营经济已成为我国社会主义市场经济的重要组成部分，作为私营企业的中小企业自然也处于十分重要的地位。近些年来，虽然各项扶持和优惠政策已逐步出台和实施，中小企业的生存和发展环境有所改善。但是，中小企业在筹资融资和贷款担保方面的问题依然存在，这成为制约中小企业快速健康发展的瓶颈。
关键词：中小企业 融资模式 借鉴
All countries in the world economic development, SMEs in the economic development of countries are a force to be reckoned with, small and medium-sized enterprises have already to the community to provide a large number of products, services and employment opportunities, but also promoted the development of social economy.
Reform and opening up, especially since 90 time, the private enterprise of our country has made rapid development, the active market economy, creating the employment opportunity, to meet the needs of the society and so on, is playing an increasingly important role in. Private economy has become China’s socialist market economy important component, as private enterprises of small and medium enterprises are in a very important position. In recent years, although each support and preferential policies have been issued and implemented, the small and medium-sized enterprise survival and development environment is improved somewhat. However, small and medium-sized enterprises in financing and loan guarantees in the problems still exist, which become restricts the small and medium-sized enterprise rapid and healthy development bottleneck.
Key words: small and medium-sized enterprises; financing mode; reference
