【正文】 商業(yè)銀行放貸習(xí)慣對(duì)中小企業(yè)不利、金融危機(jī)下的政府經(jīng)濟(jì)增長偏好加大了中小企業(yè)融資難度等諸多方面的原因共同作用下形成了當(dāng)前中小企業(yè)融資的困局。根據(jù)具體的原因，我們尋找解決的對(duì)策，通過研究，得出了幾點(diǎn)解決對(duì)策。分別是整頓和提高中小企業(yè)自身整體素質(zhì)、制定和完善相關(guān)法律法規(guī)、完善各種融資渠道，真正實(shí)現(xiàn)多渠道融資、強(qiáng)化政府行為 、加快建立完善中小企業(yè)征信制度進(jìn)一步完善擔(dān)保體系建設(shè)，規(guī)范擔(dān)保機(jī)構(gòu)的業(yè)務(wù)經(jīng)營、深化金融體制改革，消除金融抑制。希望這些對(duì)策可以真正幫助到中小企業(yè)找到問題的解決辦法?？傊?，解決中小企業(yè)融資難的問題是一個(gè)龐大復(fù)雜的系統(tǒng)工程，這個(gè)工程可以分為三個(gè)部分：中小企業(yè)自身，金融機(jī)制，政府。核心部分在于中小企業(yè)自身能力提升，基礎(chǔ)部分則在于金融機(jī)制的改進(jìn)配合相適應(yīng)和政府積極且恰當(dāng)?shù)囊龑?dǎo)和支持。而信用問題始終貫穿于這三個(gè)方面，是它們的交集。解決這一課題，不僅僅是資金量上的支持，更要提高企業(yè)自身融資能力和信譽(yù)度；注重金融體制創(chuàng)新，消除金融抑制；改善政府調(diào)控宏觀經(jīng)濟(jì)的職能，加強(qiáng)制度供給和金融扶持，培育良好的社會(huì)信用體系，發(fā)揮市場機(jī)制在資源配置方面的基礎(chǔ)性作用。這些都是解決中小企業(yè)融資困難的現(xiàn)實(shí)選擇。通過這段時(shí)間對(duì)于中小企業(yè)融資難的分析，基本找到了問題的關(guān)鍵所在，同時(shí)通過更加深入的了解，也使我認(rèn)識(shí)到政府和金融機(jī)構(gòu)在逐漸提高對(duì)于中小企業(yè)的服務(wù)水平做出的努力。隨著市場競爭的加劇，管理規(guī)范，業(yè)務(wù)突出，模式創(chuàng)新的中小企業(yè)一定會(huì)成長的越來越好，更易受到資本市場的青睞。希望中小企業(yè)融資難的問題可以得到改善。也希望我們的社會(huì)，政府能給予中小企業(yè)更多的關(guān)懷和幫助，使它們茁壯成長，不斷蓄力。希望它們能突破成為大型企業(yè)，國際化的大企業(yè)，大集團(tuán)，像阿里巴巴、騰訊、華為等當(dāng)今我國的一批世界領(lǐng)先的企業(yè)靠近。共同為國家的繁榮昌盛貢獻(xiàn)自己的力量。致謝經(jīng)過這幾個(gè)月的認(rèn)真鉆研學(xué)習(xí)，畢業(yè)論文的寫作已經(jīng)接近尾聲，四年的大學(xué)生活也即將劃上一個(gè)圓滿的句號(hào)。值此之際我想感謝各位老師的諄諄教誨，無論是做人還是學(xué)問，都是我學(xué)習(xí)的榜樣。我還要感謝我的同學(xué)和室友，感謝你們四年的陪伴，讓我度過了美好的四年青春歲月。其次我要特別感謝我的論文導(dǎo)師祁蔚茹老師對(duì)我論文的指導(dǎo)和幫助，從選題到查閱資料，還有論文提綱的確定以及中期論文的修改、后期論文格式的調(diào)整等每個(gè)環(huán)節(jié)都悉心指導(dǎo)，使我能夠完成畢業(yè)論文。祁老師認(rèn)真敬業(yè)的工作態(tài)度、淵博豐富的知識(shí)、嚴(yán)謹(jǐn)治學(xué)的精神使我受益匪淺，給了我很大的幫助，使我的綜合素質(zhì)提高不少，這對(duì)我以后的工作和學(xué)習(xí)都是很大的幫助。最后要感謝在論文寫作過程中支持和幫助我的同學(xué)們，謝謝你們！祝愿各位在今后的工作生活中事事順利！參考文獻(xiàn)[1] 李毅．我國中小企業(yè)融資現(xiàn)狀及建議．合作經(jīng)濟(jì)與科技，2012。[2] 馮麗娜．淺議中小企業(yè)融資問題．財(cái)會(huì)研究。 [3] 徐楊．淺析中小企業(yè)融資現(xiàn)狀以及破解中小企業(yè)融資難的途徑[J]．廣東科技，2012（5）: 160161。 [4] Leland H．Information asymmetries, financial structure and financial intermediation[J] ．Journal of Finance, 1977．[5] 李春俠,[J].企業(yè)活力,2007(2)：3336。 [6][M].中國計(jì)劃出版社,2006（8）: 2127。 [7][J].科技情報(bào)開發(fā)與經(jīng)濟(jì),2005(2)：4245。[8]顧永、敏聶、銀學(xué)、[J].金融理論與實(shí)踐,2005(1)：6265。 [9]陳健生. 私營企業(yè)“融資難”的幾個(gè)問題[J].經(jīng)濟(jì)體制改革，2002（1）：56。 [10]楊昊晰. 我國中小企業(yè)融資問題研究[J].黑龍江社會(huì)科學(xué)，2007(3):6769。 [11]梁冰. 我國中小企業(yè)發(fā)展及融資狀況調(diào)查報(bào)告金融研究,2005,(5):3539。 [12][J].商業(yè)研究，2001(11):3335。 [13]景乃權(quán)，丁鳴，李紹杰. 從中小企業(yè)融資看金融民營化[J].浙江金融，2007(8):7578。.外文文獻(xiàn)及翻譯原文：To formulate and improve relevant laws and regulationsLaw to build a full range of system principle, as soon as possible to develop the small and mediumsized enterprise guarantee law, small and mediumsized enterprise financing method industrial investment fund law, etc., make various financing channels of small and mediumsized enterprises of laws, such as regulations regarding private financing of SMEs in our country has been unclear, which limits the financing way of small and mediumsized enterprises. To improve the legal system of enterprises is the basic guarantee for the smooth development of SMEs, is the basis for the survival of small and medium enterprises financial institutions and operational guidelines. It can guide the direction of investment in small and medium enterprises, protect the interests of private investment, promote the healthy development of small and medium enterprises. Low information transparency. Recently, the research conducted by the people39。s Bank of China and the world bank in the East, West, a regional sample of seven urban areas showed that % of the financial institutions that loans to small and mediumsized enterprises than large corporate loans have higher default rates。 % of the financial institutions that private enterprise loans than loans to stateowned enterprises have higher default rates. In the sample cities involved in the research, the nonperforming assets of SMEs loans accounted for the proportion of all nonperforming assets of up to six。 % is the lack of a prehensive national social credit system. The lack of perfect social credit system in China is a key reason for the financing difficulty of small and mediumsized enterprises. This imperfect social credit system leads to higher information asymmetry, which increases the cost of financing and bank credit. The banking system is highly concentrated, the lack of small and medium enterprises to provide financing services for small and medium banks, is also one of the reasons leading to the financing of small and medium enterprises in china. Existing in view of the small and mediumsized enterprise legal provisions is mainly the urban collective all business regulations and township enterprise law , the two regulations is according to the property of system of ownership and different forms of Organization classification of legislation, the lack of unified legislative standards and codes of conduct. In terms of financial and credit is the lack of specialized support for small and mediumsized enterprises to protect the laws and regulations. Drawing lessons from the experience of developed countries and regions, the development of small and mediumsized enterprises to provide various aspects of policy and financial support can not be separated from the legislative support. Legal guarantees can be considered from the following levels:The legal protection of small and mediumsized enterprises, such as the small business act , Japan [small and mediumsized enterprises。 professional, regional or industry of laws, such as the United States the small business technology innovation development law , the Japanese SME Finance Treasury act. Antitrust laws, such as the Sherman antitrust law of the United States and Germany39。s anti unfair petition law. To speed up the legislation on the credit system of small and medium enterprises. The relevant departments should be designated as soon as possible to formulate relevant laws or regulations on small and medium enterprises loan. First of all, to be divided into small and mediumsized enterprise classification standards, defined the definition of small and medium enterprises. Secondly, to clarify the role and function of all kinds of financial institutions in the SME credit system, the development of specific management methods and incentives for small and medium enterprises loans. Again, to implement the government to support the financing channels for small and medium enterprises loans, the implementation of institutions and management measures.譯文：