随着经济全球化进程的随着经济全球化进程的 ，以及市场竞争的日驱激烈，中小企业问题已成为世界性的长久课题。对中小企业的地位和作用的认识，无论是西方发达国家、新兴工业化国家和地区，还是在我过，都经历了一个从不够重视到逐步加深的过程。我国中小企业融资渠道不畅，是目前影响中小企业发展的最重要的因素，也是最难于突破的瓶颈，中小企业的发展是关系到我国经济发展与社会稳定的一件大事。本文从我国中小企业融资的现状特点，如金融机构是主要的融资渠道、抵押担保是 主要的担保方式以及存在的问题如中小企业贷款难、担保难以及银行放款难，以及融资的几种方式等方面进行了探讨，针对解决我国中小企业融资难的问题提出了一些意见和建议如：中小企业采取融资租赁、风险投资以及政府支持等措施，探讨如何进一步完善我国的中小企业融资的体系

随着经济全球化进程的随着经济全球化进程的 ，以及市场竞争的日驱激烈，中小企业问题已成为世界性的长久课题。
What it is in the wake of the progress in economy whole world in the wake of the progress in economy whole world ，Along with the marketplace contest day drives intensely ，The middle and small business problem has become the for a long time task of world 。
对中小企业的地位和作用的认识，无论是西方发达国家、新兴工业化国家和地区，还是在我过，都经历了一个从不够重视到逐步加深的过程。
To middle and small business position and action knowledge ，No matter being the western developed country 、Burgeoning industrialize country and area ，Nevertheless being living , I pass through ，Wholly udergoing valuees the process up gradually deepening through insufficiently 。
我国中小企业融资渠道不畅，是目前影响中小企业发展的最重要的因素，也是最难于突破的瓶颈，中小企业的发展是关系到我国经济发展与社会稳定的一件大事。
It is not unimpeded that the middle and small business of our country thaws expenses irrigation ditch ，It is the most significant element that the middle and small business of effect at the moment developed ，It also is the vase throat that is difficult to the breakthrough most ，The middle and small business development is affecting steady against the community major important matter of our country economy development 。
本文从我国中小企业融资的现状特点，如金融机构是主要的融资渠道、抵押担保是 主要的担保方式以及存在的问题如中小企业贷款难、担保难以及银行放款难，以及融资的几种方式等方面进行了探讨，针对解决我国中小企业融资难的问题提出了一些意见和建议如：中小企业采取融资租赁、风险投资以及政府支持等措施，探讨如何进一步完善我国的中小企业融资的体系
The original thaws the expenses present situation distinguishing feature through the middle and small business of our country ，In case thawing expenses irrigation ditch that the banking organization is main 、Mortgaging the guaranty is that main guaranty means along with being problem are extendd credit to hard like the middle and small business 、The guaranty is difficult to loan the bank hard ，Along with thaw the respects such as expenses some kinds of meanss and so on has been underway the inquirement ，Is aimed at resolving the middle and small business of our country thaws the hard problem of expenses proposes some idea and proposal as ：That the middle and small business takes thaws the expenses leasing 、Steps such as hazard investment along with the government backs and so on ，How the inquirement is improved the middle and small business of our country further thaws the expenses setup