中小企业融资难问题一直是个国际性难题,在中小企业发达的浙江省尤其突出。本文通过比较美德两国银行经营模式和工业融资成本,指出全能银行降低企业融资成本、促进工业发展,但总结影响企业融资的各方面因素,没有一个放之四海而皆准的模式,各国都有适合自己国情的融资方式。对我国来说,近期应采取“间接融资为主,直接融资为辅”的融资格局。 The problem of SME financing has always been an international problem, especially in Zhejiang Province, where SMEs are well-developed. By comparing the business model of the two countries and the financing cost of the industry, this paper points out that the universal bank can reduce the financing cost of the enterprise and promote the industrial development. However, there is not a universal model that sums up the various aspects that affect the financing of the enterprise. Suitable for their own national conditions of financing. For our country, we should adopt the financing pattern of “indirect financing, supplemented by direct financing” in the near future.