At first , it analyses the current situations and characteristics of the finance both in the world and in our country ; and then it analyses the current situations and characteristics of the finance methods of the mses in detail 本文从融资渠道的角度，分析了国际国内融资渠道的现状与特点；从中小企业融资渠道的角度，分析了国际国内中小企业融资渠道的现状与特点。
The comprehensive function of other newly emerged financing methods , such as venture capital , is not ideal , but considering by mono - factor , it can not only make up the need of capital but also import advanced techniques and managerial experiences , hence facilitate to transfer scientific results to practice and improve the market share of the product 风险投资等新型融资方式虽然综合功效不高，但从单因素评价看，它不仅能解决资金问题，还能提供先进技术和管理经验，有利于企业加快科技成果转化，扩大市场份额，对知识密集型涉农小企业融资有十分重要的意义； 4
From the financial policy , financing structure and financing conditions , the article also analyzes the main features of sme financing in us and japan , compares their differences , and sums up their experiences and lessons for improving the china ’ s environment for sme financing . on the basis of analyzing the current status of china ’ s sme financing and borrowing the foreign experiences , in light of china ’ s current situation , the article makes 我们从金融政策、融资结构、融资条件和政策性金融这几个方面分析美日中小企业融资的主要特点,比较其表现出的差异性,总结其经验和教训,为我国中小企业融资环境的改善予以启示,并且在分析我国中小企业融资的现状和有针对性地借鉴国外经验的基础上,结合我国的实际情况提出了一些建议,为解决我国中小企业融资困难的问题提供参考,以促进我国中小企业持续稳定发展。
The paper mainly studies the small enterprises " credit financing & risk management in the process of transition economy and gradual reform firstly , the paper begins with the financing structure of small enterprises , compares the data home & abroad , and analyses the financing order and the institutional inducement of small enterprises . then , the author interprets the small enterprises " credit financing difficulty from the aspect of finance system and emphasizes on the special colony - high - tech small enterprise , and also analyses its actuality , characteristic and reasons which lead to its financing difficulty . based on the above , the article tries to implement the credit risk management so as to reduce the information asymmetry in the dealing between bank and enterprise , therefore , enhancing the credit - availability of small enterprises 文章首先从中小企业融资结构入手，结合国内外相关数据，分析了中小企业的融资顺序及其形成的制度诱因；接着，结合理论与实证，从金融制度方面解释了中小企业的信贷融资困境，并着重剖析了其中的特殊群体? ?科技型中小企业信贷融资现状、特点及其困境的形成原因，文章认为，信贷风险与收益的不匹配是导致(科技型)中小企业信贷融资困境的主要因素；在此基础上，文章尝试从化解信贷风险? ?实行信贷风险管理的角度来缓解银企交易中的信息不对称，从而提高中小企业的信贷可得性。
The main research results herein are : ( 1 ) regard surveying and studying the data in small and medium - sized enterprises as the foundation and combining theory analysis , i concluded that credit financing is the main way of financing of small and medium - sized enterprises in the present stage and future in our country 本文的主要研究成果是: ( 1 )以中小企业调研数据为基础,结合理论分析,得出了信贷融资是我国现阶段以及未来很长一段时间内中小企业融资主要方式的结论。
