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1、外文文献：SMES'SECTORACCESSTOFINANCE:ANOVERVIEWRomanAngela“AlexandruIoanCuza”UniversityofIasiFacultyofEconomicsandBusinessAdministrationThroughtheircontributiontothecreationofaddedvalueandnewjobs,thesmallandmediumenterprises(SMEs)haveasignificantroleintheeconomicand
2、socialdevelopmentofacountry.However,theseenterprisesarefacingnumerousobstaclesthatlimittheirperformance,growthanddevelopment.AmongthedifficultiesfacedbySMEs,theaccesstofinanceisoftenreportedasamajorobstacletothedeploymentandexpansionoftheiractivity.Thepaperaims
3、tohighlightthedifficultiesfacedbySMEsinsecuringfinancingresources,emphasizingthedifferencesbetweencountriesandalsobetweenSMEsandlargeenterprises.KnowingthedifficultiesinSMEsfinancingisessentialforpolicymakersinordertodesignandimplementappropriatemeasures,whichw
4、illhelptoimprovetheaccesstofinancingfortheseenterprises.Thus,anotherissueaddressed,synthetically,inthispaperaimsthemeasurestakenbypublicauthoritiesinordertosupporttheaccesstofinancingforSMEs.Keywords:SmallandMediumEnterprises,accesstofinance,financingconstraint
5、s,bankfinancing,supportmeasuresJELcodeclassification:G30,G32,O161.IntroductionInallcountries,smallandmediumenterprisesareasignificantsourceofeconomicgrowthandjobscreation.Furthermore,theseenterprises,throughtheirdynamismandflexibility,areanengineofinnovationand
6、growth.Basedontheseconsiderations,itiseasytounderstandthecrucialimportancethattheeasyaccesstofundinghas,takingintoaccountthatitcansupportthecreationofnewbusinesses,theinnovationprocessaswellasthegrowthandthedevelopmentoftheexistingbusinesses,whichinturnboostthe
7、economicgrowthofacountry.Thepaperisstructuredasfollows:thefirstpartcontainstheintroductionremarksregardingtheimportanceandrelevanceoftheapproachedtheme;thesecondpartisdedicatedtoaliteraturereviewwhichsummarisesthemainresearchesundertakensofaronthistheme;thethir
8、dparthighlightsthemajordifficultiesinSMEsfinancing,andthefourthpartofthepaperreflects,mainly,thedifficultiesreportedbytheentrepreneursindealingwithbanksandthemeasuresthatnee
