日本中小企业融资模式中全方位的立法支持,分工合理的融资机构和不断创新的融资业务为日本中小企业经营状况的改善发挥了重要作用。近年来,该模式中融资机构的民营化、市场化改革趋势日益明显、业务模式也不断创新,并且取得了非常显著的实施效果,研究这些变化对我国中小企业融资模式的探索将具有一定的借鉴意义。 Japan’s SME financing model in all directions of legislative support, reasonable division of labor financing institutions and innovative financing business for the improvement of the operating conditions of SMEs in Japan played an important role. In recent years, the mode of privatization and market-oriented reform of financing institutions in this model has become more and more obvious, the business model has been constantly innovated, and very significant results have been achieved. It is of some value to study these changes in the exploration of financing models for SMEs in China significance.