明晰中小企业融资渠道,并联系企业金融发展周期理论,从表里两个角度深度分析了中小企业在融资过程中所出现的一些困难,提出了“四维”融资结构,为中小企业的融资难题建言献策。为了缓和中小企业融资难的窘境,该融资结构整合了政府部门、商业性银行、民间合法金融机构以及中小企业,为中小企业的融资找到更广的途径。 Clarify the financing channels for SMEs, and contact the theory of corporate financial cycle, from the perspective of both inside and outside analysis of some of the difficulties SMEs in the financing process, the proposed “four-dimensional” financing structure for SME financing Difficult suggestions. In order to ease the dilemma of SME financing difficulties, the financing structure integrates government departments, commercial banks, non-governmental legal financial institutions and SMEs to find a broader approach for the financing of SMEs.