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摘要：融资问题是各国中小企业最为困扰的问题之一。而寻找中小企业的融资问题的解决方法是企业发展的一项重要任务。不少学者对中小企业的融资问题都有相应的研究。通过对学者们的文献的研究，本文对国外中小企业融资方式有了更深层次的解析。本文将国外中小企业的融资方式作为研究对象，并对相关知识进行详尽地阐述。拔取美日两国作为案例，对美日两国中小企业的融资进行了剖析，并总结出两国的优秀经验。其中最具借鉴意义的是多层次的直接融资体系还有健全的法律制度。结合当前我国中小企业在融资上遇到的国家扶持力度薄弱等困难，提出诸如建立专职扶持中小企业的金融机构的一系列可行性建议以求推动我国中小企业的发展。69010
毕业论文关键词：中小企业 融资方式 融资困境
Financing ways of small and medium sized enterprises in foreign countries and Its Enlightenment
Abstract: financing problem is one of the most troubled problems in small and medium-sized enterprises in various countries. The solution to the financing problem of small and medium-sized enterprises is a significant task for the development of enterprises. Many scholars have a corresponding research on the financing problems of small and medium enterprises. Through the study of the literature of scholars, this paper has a deeper analysis of the way of financing of small and medium enterprises in foreign countries. In this paper, the financing of small and medium enterprises in foreign countries as the research object, and the relevant knowledge of the detailed exposition. With the USA and Japan as a case study, the financing of small and medium enterprises in Japan and the United States were analyzed, and summed up the excellent experience of the two countries. One of the most significant is the multi-level direct financing system and a sound legal system. Combined with the current our country small and medium-sized enterprise financing in the face of the national support for the weak, and puts forward the difficulties such as the establishment of full-time to support SMEs financial institutions a series of feasible suggestions in order to promote the development of small and medium-sized enterprises of our country.
Key Words：small and medium sized enterprises financing way finance difficulties
目录
一、绪论 5
（一）中小企业融资的研究背景 5
（二）研究国外中小企业融资的意义 5
（三）文献综述 7
二、国外中小企业融资的特点 8
（一）中小企业的定义及中美日三国区分标准 8
（二）中小企业的特点 9
（三）国外中小企业的融资特点 10
（四）国外中小企业的融资方式 11
（五）中小企业对于国民经济的意义 12
三、案例分析 12
（一）美国中小企业的融资 12
（二）日本中小企业的融资 15
四、我国中小企业面临的融资困境和发展建议 18
（一）我国中小企业面临的融资困境 18
（二）对我国中小企业融资方面的发展建议 19