摘要:经济体制改革以来，我国砖厂如雨后春笋，发展迅速，为我国解决了大量就业问题，创造了社会巨额财富，促进了我国经济的高速发展。但是融资难一直制约着我国砖厂的发展，砖厂直接融资很困难,影响了我国经济健康有序的发展。

　　　本文通过分析二线城市中小砖厂产业发展中在融资方面遇到的问题及原因。并且提出对策及建议。中小砖厂因为其自身特点,其融资难突出在政府、银行、砖厂自身三个方面风险控制上。政府通过引导金融机构创新金融产品，改善金融服务。同时构建信用担保体系，解决砖厂担保难问题。 完善创新多层次资本市场。切实加强砖厂自身建设，提高企业的荣誉度和市场竞争力。

关键词: 中小砖厂  融资渠道  金融机构

ABSTRACT:Economic reform, China's small and medium enterprises have mushroomed, the rapid development of China's solved a lot of employment problems and create social wealth, and promote China's rapid economic development, but the financing difficulties of SMEs in China has been restricting the development of small and medium corporate direct financing very difficult。

　　This paper analyzes the development of second-tier cities in the small brick industry in financing problems and reasons and put forward countermeasures and suggestions small brick because of its own characteristics, its financing difficulties highlighted in the government, banks, brick itself three aspects risk control。 government through innovative financial products to guide financial institutions to improve financial services。 while building credit guarantee system for SMEs guarantee difficult problem to solve。 improve innovative multi-level capital market to strengthen self-construction of small and medium enterprises, and improving the honors degree and market competitiveness。

Keyword: Small brick ;Financing channels ;Financial Institutions