中小企业是国民经济中的一支重要且活跃的力量,在世界各国经济发展中都发挥着重要作用。但由于中小企业规模小、经营变数多、信用能力较低,各国金融机构在对中小企业融资中普遍采取谨慎性原则,中小企业融资难成为一个世界性的问题。因此,世界各国为支持中小企业发展,都十分重视解决其融资问题,并积累了不少好的可资借鉴的经验和做法。一、融资方式、渠道多样化中小企业的资金来源主要有自筹、直接融资、间接融资和政府扶持 Small and medium-sized enterprises are an important and active force in the national economy and play an important role in the economic development of all countries in the world. However, due to the small scale of SMEs, the large number of business variables and low credit capacity, financial institutions in various countries generally adopt the principle of prudence in financing SMEs. Financing of SMEs has become a worldwide problem. Therefore, in order to support the development of small and medium-sized enterprises, all countries in the world attach great importance to solving their financing problems and have accumulated many good experiences and practices that they can learn from. First, the financing methods, diversified channels SME funding sources are self-financing, direct financing, indirect financing and government support