[银行管理论文] 【摘要】我国目前中小企业融资难存在企业本身﹑金融机制﹑政府三个层面的原因，为此要制定相应的治理对策：企业要加快发展，切实提高盈利能力，增强自身信用观念，努力拓展融资渠道和方式；金融机构要解放思想积极创新，逐步消除对中小企业的金融抑制，建立多层次的信用担保制度；政府要完善政策法律法规，加大对企业制度支持和金融扶持力度。
【关键词】中小企业 融资问题 信用 探析
【Abstract】There are 3 aspects of reasons that consist of enterprise themselves, finance system and government, which lead to the difficulty in the SMEs of China. So we must search for the relevant ways to solve them: The first, enterprises need to accelerate their improvement, raise the ability of making profit factually, enhance themselves’ conception on credit, and expand the financing channel and way hardly. The second, the finance organizations need to liberate thought and bring forth new ideas actively, dispel the financi……
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