摘要:在中国，占企业总数99%的中小企业对我们国家GDP的贡献超过了60%，税收超过了50%，同时也创造了70%的进出口贸易、80%的城镇就业岗位、66%的发明专利、82%的新产品开发，在经济社会发展的地位和作用日益增强了。

　　　中小企业是我国国民经济的重要组成部分，对繁荣经济、满足社会需求、促进就业、保持社会和谐稳定发展起着不可替代的作用。然而中小企业“资金短缺、融资困难”依然是现阶段阻碍我国中小企业“做大、做好、做强”的关键问题。随着2008年国际金融危机的持续影响，中小企业的融资难的问题也愈发突出。本文阐述了我国中小企业融资环境的现状以及原因，并通过融资渠道与途径的分析寻找解决当前问题的策略。

关键词：中小企业；融资；渠道；途径

Abstract:In China,99% of small and medium enterprises of our country's contribution to GDP  is more than 60%, which revenue more than 50%, but also created a 70% import and export trade,and 80% of urban jobs, 66% of the invention patents, 82% of new product development. small and medium enterprises play a more important role in economic and social development.

　　　Small and medium enterprises are an important part of our national economy, economic prosperity and meet the needs of the community, promotion of employment, maintaining social harmony and stability development plays an irreplaceable role. However, small and medium enterprises, "the shortage of funds, financing difficulties" still at this stage to hinder the key problems of SMEs in China "bigger, good, and stronger". With the continuing impact of the international financial crisis in 2008, the difficult problem of financing for SMEs become more prominent. This paper describes the status of the financing environment for SMEs in China and why, and through analysis of the financing channels and means to find a strategy to solve the current problems.

Key Words：Small and Medium Enterprises；financing；channels；medium

　　　中小企业对我国国民经济、地区经济的发展乃至经济、社会制度的变迁与建构都起着毋庸置疑的推动作用。在社会主义市场经济体制的逐步建立的过程中，中小企业在扩大就业、活跃市场、增加收入、社会稳定以及形成合理的国民经济结构方面对我国经济建设做出了巨大的贡献。然而，目前我国中小企业的发展却遇到了资金短缺的“瓶颈”，融资成本高，信用等级低，方式单一，渠道狭窄，融资体系不完善，严重阻碍了我国中小企业的发展，制约了我国经济的发展。虽然采取了一系列措施，但并没有从根本上解决中小企业融资难问题。由于中小企业对我国经济发展有重要影响，因此解决我国中小企业融资渠道与途径刻不容缓。