目录摘 要 3ABSTRACT 4一、绪论 5（一）选题背景和意义 5（二）国内外研究现状 6（三）研究方法 7（四）基本结构和内容 8二、中小企业的内涵及基本融资模式 9（一）中小企业的界定 9（二）中小企业的地位和作用 10（三）中小企业基本融资模式 11三、山西中小企业融资难的现状及原因 13（一）山西中小企业融资难的现状 131、中小企业贷款融资数量不足且成本较高 132、中小企业融资过程中遭遇信用歧视 143、中小企业融资渠道狭窄 144、缺乏专门为中小企业服务的金融机构 14（二）山西中小企业融资难的原因分析 151、基于中小企业内部视角的原因分析 152、基于中小企业外部视角的原因分析 17四、解决山西中小企业融资问题的对策 20（一）基于融资企业层面采取的对策 201、加强自身融资能力的建设 202、深化改革，加强经营者管理素质 203、强化信用建设 21（二）基于政府层面采取的对策 211、政府激励，拓宽中小企业融资渠道 222、健全中小企业贷款担保体系 223、发展多层次市场 234、完善中小企业融资法律法规 24（三）基于金融机构层面采取的对策 241、国有银行转变观念，增强对中小企业的金融服务 242、完善商业信贷机制，不断加强信贷产品创新 25 26摘 要在我国，占企业总数99%的中小企业创造了74%的工业增加值和63%的GDP， 但是其占有的金融资源却不足20%。
截止2012年底，山西省中小企业约9.2万户，个体工商户80多万家，占到全省企业总数的99%以上，从业人员580万人中小企业在山西省经济社会中发挥着经济发展的“助推器”和“蓄水池”的作用，是拉动全省经济发展的重要力量；与此同时，中小企业融资模式、渠道、融资规模、融资成本等却却与其经济贡献不成正比中小企业的融资难问题已经严重制约了经济社会的发展中小企业在我国经济社会发展中发挥着不可替代的作用，却处于融资弱势的不对称地位，融资约束已成为制约中小企业发展的瓶颈本文选择山西中小企业融资情况进行研究，在大量阅读、查阅文献资料的基础上，结合自身工作的便利，将理论与实证相结合，以山西省独特的经济发展模式及以煤炭为核心的经济结构出发点，针对中小企业呈现出明显的区域特点，有针对性的为解决山西中小企业融资难提出合理化建议通过研究发现，山西中小企业融资中普遍存在贷款融资数量不足且成本较高，融资过程中遭遇信用歧视，融资渠道窄，缺乏专门为中小企业服务的金融机构的问题尽管山西省政府部门及金融机构开展了大量的工作，逐步解决上述问题，但是面对中小庞大的资金需求，目前融资矛盾依然存在解决上述问题依旧需要不断的努力，同时开拓思路，在解决中小企业融资难的问题，需要政府大胆借鉴国外经验，尽快完善并落实各项针对中小企业的融资支持措施，建立中小企业的信用担保体系，转变金融观念，督促金融机构通过不断创新融资模式，更好的满足中小企业融资需求，营造良好的外部融资环境；同时中小企业自身也要加强建设，提高管理水平和人员素质，在业务发展同时注重信用及人才的积累，通过建立良好的信用，以诚信经营为原则，提升自身的经营水平，提高企业自身的融资能力。
关键词:中小企业 贷款融资 信用 AbstractIn China, accounting for 99% of the total number of enterprises SMEs create 74% of industrial value added, 63% of the GDP, but its share of financial resources, but less than 20%. By 2012, about 92000 small and medium-sized enterprises in Shanxi Province, individual industrial and commercial households more than 80, accounting for the province more than 99% of the total number of enterprises, employees 5.8 million people.Small and medium-sized enterprises in Shanxi Province economic society play a "booster" of economic development and the role of the "reservoir", is one of the important forces pull the entire province economic development. At the same time, the small and medium-sized enterprise financing model, channels, financing scale, financing costs, etc. But it is out of step with its economic contribution. Small and medium-sized enterprise financing difficult problem has been seriously restricted the economic and social development. Small and medium-sized enterprises in our country's economic and social development plays an irreplaceable role, but in a asymmetric financing weak position, has become the bottleneck of restricting the development of small and medium-sized enterprises financing constraints. This paper studies the financing situation of small and medium-sized enterprises in shanxi choice, in a lot of reading, on the basis of literature review, combined with the convenience of their own work, combining theoretical and empirical, unique model of economic development in Shanxi Province and begins with the core of the economic structure of the coal, according to the characteristics of small and medium-sized enterprises present a regional targeted to solve the problem of shanxi small and medium-sized enterprise financing difficult to put forward reasonable Suggestions. Through the study found that in shanxi is common in the financing of small and medium-sized enterprises loan financing shortage and high cost in the process of financing credit discrimination, the financing channel is narrow, lack of specifically for small and medium-sized enterprise service of financial institutions. Although government departments and financial institutions in Shanxi Province has carried out a lot of work, step by step to solve the above problems, but in the face of small and medium-sized huge capital requirements, the current financing contradiction still exists. Solve the above problems still need to constantly efforts, at the same time, develop ideas, to solve problems in small and medium-sized enterprise financing difficulties, need the government boldly draw lessons from foreign experience, improve and implement as soon as possible in view of the small and medium-sized enterprises financing support measures, set up small and medium-sized enterprises credit guarantee system, changing the financial idea, supervise and urge financial institutions through innovative financing model, better meet the demand of small and medium-sized enterprise financing, creating a favorable external financing environment; Also must strengthen the construction of small and medium-sized enterprise itself, improve the management level and staff quality, in the business development at the same time pay attention to the accumulation of credit and talent, through the establishment of good credit, to the principle of good faith management to improve its management level, improve the financing ability of the enterprise.Key words: small and medium-sized enterprise loan financing credit一、绪论（一）选题背景和意义。