摘要：近年来，加入WTO以后我国经济发展迅速，其中中小企业发展已经成为我国的经济中不可替代的部分。但是我国中小企业的进一步发展受到许多因素的制约。我国中小企业的发展面临着许多困难。本文通过对我国中小企业发展中所遇到的问题进行研究，分析这些问题产生的具体原因。本文还将详细介绍国外主要发达国家发展中小企业的经验。美国、欧盟、日本这些发达国家的经验和教训经过长期的发展和完善，值得我国借鉴。本文通过以上分析，总结出适合我国中小企业发展的对策。

关键词：中小企业；融资；原因分析；国外经验

Abstract: In recent years, rapid economic development of China joined the WTO, including the development of SMEs in China's economy has become an irreplaceable part. However, the further development of SMEs in China affected by many factors. The development of SMEs in China face many difficulties. Based on the development of Chinese SMEs to study the problems encountered, analyze the specific reasons for these problems are. This paper will detail the development of SMEs in the major developed countries abroad experience. U.S., EU, Japan, the experience and lessons of these countries through long-term development and improvement, it is worth our reference. Through the above analysis, summed up the measures for SME development in China.

Keywords: SMEs; Financing; Analysis of the reasons; foreign experience

　　　在经济全球化的今天，中小企业的发展是我国经济发展迫切需要的，已经引起了社会和政府的高度关注。但是目前我国中小企业发展所遇到的困难和问题既有内在自身上的原因，也有我国经济体制上的问题。我国经济飞速发展时期，市场经济体制的改革和完善，为中小企业的发展提供了良好条件和历史机遇。加入WTO后，我国中小企业的发展空间也更加宽广。通过学习和借鉴国外有力的发展经验，为我国中小企业提供符合我国国情的发展道路，推动我国中小企业快速健康的成长。