内容摘要
本文通过对中小企业在国民经济中的重要作用的论述，充分说明解决中小企业融
资难的重要意义。研究中从苏州中小企业融资现状出发，归纳并运用了国内外现有的
中小企业融资研究理论，研究手段以获得问题的研究结论，并在实务调查研究的基础
上，采用定性与定量分析法、比较分析法等。本文首先通过分析中小企业的行为特点，
从中小企业角度找出问题所在。接着，通过分析商业银行的运营、管理的相关理念，
分析商业银行与中小企业两者之间存在的差异性，最终找出中小企业融资难的真正成
因，并由此提出相应的解决问题对策措施。以期对解决我国中小企业融资难的问题有
所启迪
本文的新意在于：本文作者作为一名多年从中小企业融资业务的银行从业人员，
具有较丰富的从业经验和体会。由于目前商业银行依然是中小企业融资的主要渠道，
中小企业融资难确实与商业银行的金融支持策略与经营模式有关，所以本文主要从商
业银行的视角来看中小企业融资难的问题，并提出切实可行的相应对策
关键词：苏州 中小企业 融资难 对策
Abstract
This article through to the small and medium-sized enterprise an important role in the
national economy of the exposition, fully shows the important significance of solving the
financing of small and medium-sized enterprises. Research from the present situation of
financing of small and medium-sized enterprises in Suzhou, sum up and use the existing
small and medium-sized enterprise financing theory, research method to obtain the
conclusion of research, and based on practical investigation, qualitative and quantitative
analysis method, comparative analysis etc.. Firstly, by analyzing the behavior
characteristics of small and medium-sized enterprises, from the point of view of SMEs to
identify the problem. Then, through the analysis of relevant concept of the operation,
management of commercial banks, analyzing the differences between commercial banks
and small and medium-sized enterprises both, finally find out the real cause of financing
difficulty of small and medium-sized enterprises, and puts forward corresponding
measures to solve the problem. In order to give some inspirations to solve the financing
problem of SMEs in china.
The innovation of this paper is: This paper as an author of many years from the small
and medium-sized enterprise financing business bank staff, has the rich experience and
experience. As the commercial bank is still the main channel for SME financing, SME
financing and financial support from commercial banks strategy and business model, so
this paper mainly from the perspective of commercial banks, the financing problem of
SMEs, and proposes the corresponding countermeasures feasible.
Key words: Suzhou The problem for SMEs Financing Countermeasure