在求解这个国际化难题时,被忽略的关键因素有:信息透明和金融准入。当前我国小企业的融资难,既具有全球共性,也具有中国特色;既受到短期政策性因素的影响,也带有长期体制性不完善的制约。小企业融资难是个全球难题。因为与其他企业相比,小企业有着更高的信用风险。具体来说,第一,小企业的破产率更高,有数据显示,小企业开办五年内的破产率高 The key factors to be ignored in solving this internationalization problem are: information transparency and financial access. At present, the financing difficulty of small enterprises in our country is not only global common but also Chinese with both short-term policy factors and long-term institutional imperfections. Small business financing is a global problem. Because small businesses have a higher credit risk than other businesses. Specifically, firstly, the rate of bankruptcy of small enterprises is higher. According to statistics, the rate of bankruptcy within five years of start-up of small enterprises is high