2、中小企业融资的基本特征，从中小企业的主客观因素剖析了中小企业融资难的问题。然后，通过对我国中小企业融资方式的选择研究，结合中小企业生命周期特点，提出了适合我国中小企业发展的融资方式组合。关键词：中小企业融资方式企业生命周期选择比较AbstractOur country economy rapid development since the reform and opening up, gradually improve the socialist market economy construction, market reflect the large number of small and
3、 medium-sized enterprises in our country.In the economic development of small and medium-sized enterprises in our country occupy the important position, in order to promote the economic development of our country, to solve the employment problem has made the remarkable contribution.But the question
4、 of the financing difficulties always restricts the development of small and medium-sized enterprises in our country, a serious impediment to the small and medium-sized enterprises to improve the development of economy and international competitiveness.This article from the capital structure theory
5、, the small and medium-sized enterprise financing theory, enterprise life cycle theory, this paper studied our country small and medium-sized enterprise financing present situation and the causes of financing difficulties, are analyzed based on the choice of different life cycle of small and medium
6、-sized enterprise financing problems, in order to provide help to the development of small and medium-sized enterprises in our country.This paper first reviews and summarizes the domestic and foreign scholars for small and medium-sized enterprise financing problems research, on this basis, systemat
7、ically studies the basic features of financing of small and medium-sized enterprises in our country, from the subjective and objective factors of small business analysis of the small and medium-sized enterp
