中文摘要
随着苏州地区中小企业规模的不断壮大，中小企业在社会经济发展中的作用也是
日益彰显，这为社会提供了更多的就业岗位和创业机会。换句话说，中小企业能否得
到长足持续稳定的发展，很大程度上影响着苏州经济的整体可持续发展。然而长期以
来，由于我国的金融结构不合理，中小企业也一直受到贷款偏见。小企业的规模也相
对较小，企业自有资金少，又很难提供银行等金融机构需要的贷款抵押物；而后国际
金融动荡以及国内信贷紧缩，这对中小企业无疑是雪上加霜。既然中小企业在经济持
续增长，发展和谐社会等方面如此的重要，那么当务之急就是要解决中小企业融资难
的问题。本文旨在解决苏州市中小企业融资难的问题。首先阐述了苏州市中小企业融
资的现状，分析造成中小企业融资困难的原因并借鉴国际上发达国家和苏州工业园区
政府先进经验，最后从企业自身、金融支持及国家政策这三大方面给出相应的看法和
建议，并企盼能在中小企业融资难的问题上贡献自己的一股力量。

关键词：中小企业 融资难 对策研究
作 者：苏 白
指导老师：万解秋

II
The research over financing problems on internal small and
medium enterprises
-taking the city Suzhou as an example
Abstract
With the size of the Suzhou region growing SMEs, the role of SMEs in the
socio-economic development is increasingly evident, which provide the community with
more jobs and entrepreneurial opportunities. In other words, SMEs can be made
sustainable and stable development, significantly influenced the sustainable development
of Suzhou's economy as a whole. Nevertheless, in the sight of domestic irrational financial
system, SMEs have suffered loan prejudice for a long time. With relatively small scale and
fewer equity funds, small enterprises are forced to rent their workshops and office
buildings. Thus, they have difficulty in providing loan collaterals that financial institutions
need.
Since SMEs in the sustained economic growth, development and other aspects of a
harmonious society is so important, so urgent task is to solve the difficult problem of SME
financing. This paper aims to solve Suzhou SME financing problem. First elaborated the
status quo Suzhou SME financing, analysis of causes of financing difficulties and learn
from developed countries, the government of SIP and the advanced international
experience. Eventually, I would like to propose some relative comments and advice over
enterprises ,financial support and national policies. Meanwhile, I hope that I can make
some contributions to solutions to SMEs financing problems.
Keywords: SMEs, financing problem, research, approaches.
Written By:Subai
Supervised By:Wanjieqiu

目 录
第一章 绪 论........1
一、研究背景........1
二、研究意义........2
三、研究的方法、思路与框架....3
（一）研究方法.3
（二）研究思路.3
（三）文章框架.3
四、国内外研究综述及简要评析4
（一）国外研究现状综述.........5
（二）国内研究现状综述.........6
（三）文献评述.8
五、支持本研究的相关理论及简要分析9
（一）信息不对称理论.9
（二）企业成长周期理论.......10
（三）信贷配给理论...10
（四）关系型贷款.......12
第二章 中小企业融资相关理论基础......13
一、我国中小企业的概念..........13
二、融资的基本概念......14
三、小结..15
第三章 中小企业融资现状..........16
一、中小企业发展的基本情况..16
二、我国中小企业融资的现状——以苏州市为例......17
（一）创业或发展时期自身资金有限...........17
（二）经营激烈竞争导致资金紧张加剧.......17
（三）小企业融资渠道与筹资方式有限.......17