小企业融资难,在理论上已经形成了一些主要的流派,比如信贷补贴理论、金融市场理论和不完全竞争市场理论等流派。在缺乏成熟市场运作规则和契约精神的基础上,上述理论在现实中无所附依,只能漂浮于事实之上,成为我们看清事实之“隔膜”、之“迷雾”。具体说,围绕相关理论流派的文献,可能有助于在一个相对标准的理论框架中中规中矩地讨论问题,而 Difficulties in financing small businesses, in theory, has formed a number of major schools, such as credit subsidy theory, financial market theory and imperfect competition theory and other schools. On the basis of the lack of mature market rules of operation and the contractual spirit, the above theories are unattached in reality and can only float on the facts and become the “fog” of the “diaphragm” in which we can see the truth. Specifically, the literature surrounding the schools of relevant theories may help to discuss issues fairly in a relatively standard theoretical framework, whereas