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1、附录Financingsmallandmedium-sizedproblemisnotuniquetoChina.IntheUnitedStates,theexistenceofsuchaneconomicphenomenonofthesame,thedifferenceisthattheU.S.governmentmeasurestosupportamarket-orientedSMEs.China'sveryrapiddevelopmentofSMEs,currentlyhasmorethan430mill
2、ionsmallandmediumenterprises,SMEscanbeseenineconomicactivityinChinatooccupymoreandmoreofthecomponentsalready.InordertohelpthedevelopmentofSMEsinChina,thecentralgovernmenthaspromulgatedanumberofpoliciesinrecentyears.However,asfundingisconcerned,themajorityofd
3、omesticsmallandmediumenterprisesarestilleverywhere,"meetwitharebuff."Becauseofshortageoffundsinmanysmallandmediumenterprises,developmenthasbeenlimited.Perhaps,theU.S.governmenttoencouragesmallandmedium-sizedwaysandmeansoffinancingisworthlearningfrom.Similarl
4、ytheUnitedStatestherearedifficultiesinSMElendingAlthoughtheU.S.companiestheproportionofbankfinancingthroughexternalfinancingaccountedforabout61.8percent,butsmallandmedium-sizedview,becauseoftheexistenceofrelativelyhighcreditrisk,leadingfinancialinstitutions,
5、commercialloanstosmallandmedium-sizedlackofimpactonthefinancingofsmallandmediumenterprises.U.S.commercialwell-developedfinancialsystem,buttheprevalenceofsmallandmedium-sizedsmallscale,lackofcredit,thereasonsforpoorbusinessenvironment,smallandmedium-sizedfina
6、ncialinstitutionsarenotcommercialloansthepreferredtarget.Developmentandstabilitythatonlythoseproductswithmarketandcreditconditionsfavorabletosmallandmedium-sizedcommercialbankstoobtainloans.ThispointandtreatChina'scommercialbanksloanstoSMEswithlittledifferen
7、cebetweentheattitudeTypically,theUnitedStatestheamountoflong-termfinancingofSMEsand25%~85%fromtheaccumulationoftheenterprise.90Inthemid-20thcentury,thetotalinternalsourcesoffundsfinancingtheproportionroseto61.5percentfrom82.8percent,whichshowsthattheUnitedSt
8、atestoobtaincommercialfinancingofsmallandmedium-sizedproportionwasnothigh.ThedifferenceisthattheU.S.governmenthasneverbeentothecommercialfinancialinstitutionsto"issue"administrativeindicators,bu
