一、我国中小企业融资状况的基本判断中小企业融资渠道狭窄,其目前发展主要依靠自身内部积累,即中小企业内源融资比重过高,外源融资比重过低；银行贷款是中小企业最重要的外部融资渠道,但银行主要提供的是流动资金以及固定资产更新资金,而很少提供长期信贷；亲友借贷、职工内部集资以及民间借贷等非正规金融在中小企业融资中发挥了重要作用,但由于各地经济发展水平以及民间信用体系建设的差异,非正规金融在江浙、中西部地区发育程度差异极大；中小企业普遍缺乏长期稳定的资金来源不仅权益资金的来源极为有限,而且很难获得长期债务的支持；资产规模是决定企业能否获得银行借贷以及长期债务资金的决定性因素。 First, the basic judgments on the status of China’s SME financing Small and medium-sized SMEs financing channels are narrow, its current development mainly depends on its own internal accumulation, that is, the proportion of SME internal financing is too high, the proportion of external financing is too low; bank loans are the most important for SMEs External financing channels. However, banks mainly provide liquidity and fixed assets renewal funds, while seldom provide long-term credit. Informal financial loans such as family and friends borrowings, employee internal fund raising and private lending play an important role in SME financing. However, due to Differences in the level of economic development and the construction of the private credit system between the two sides have great differences in the level of development of informal finance in Jiangsu, Zhejiang and the central and western regions. The lack of long-term and stable sources of funding for SMEs generally means that the sources of equity funds are extremely limited and it is difficult to obtain long-term debt The size of the assets is a decisive factor in determining whether an enterprise can obtain bank borrowings and long-term debt funds.