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1、附录Financingsmallandmedium-sizedproblemisnotuniquetoChina.IntheUnitedStates,theexistenceofsuchaneconomicphenomenonofthesame,thedifferenceisthattheU.S.governmentmeasurestosupportamarket-orientedSMEs.China'sveryrapiddevelopmentofSMEs,currentlyhasmorethan
2、430millionsmallandmediumenterprises,SMEscanbeseenineconomicactivityinChinatooccupymoreandmoreofthecomponentsalready.InordertohelpthedevelopmentofSMEsinChina,thecentralgovernmenthaspromulgatedanumberofpoliciesinrecentyears.However,asfundingisconcerned,
3、themajorityofdomesticsmallandmediumenterprisesarestilleverywhere,"meetwitharebuff."Becauseofshortageoffundsinmanysmallandmediumenterprises,developmenthasbeenlimited.Perhaps,theU.S.governmenttoencouragesmallandmedium-sizedwaysandmeansoffinancingisworth
4、learningfrom.SimilarlytheUnitedStatestherearedifficultiesinSMElendingAlthoughtheU.S.companiestheproportionofbankfinancingthroughexternalfinancingaccountedforabout61.8percent,butsmallandmedium-sizedview,becauseoftheexistenceofrelativelyhighcreditrisk,l
5、eadingfinancialinstitutions,commercialloanstosmallandmedium-sizedlackofimpactonthefinancingofsmallandmediumenterprises.U.S.commercialwell-developedfinancialsystem,buttheprevalenceofsmallandmedium-sizedsmallscale,lackofcredit,thereasonsforpoorbusinesse
6、nvironment,smallandmedium-sizedfinancialinstitutionsarenotcommercialloansthepreferredtarget.Developmentandstabilitythatonlythoseproductswithmarketandcreditconditionsfavorabletosmallandmedium-sizedcommercialbankstoobtainloans.ThispointandtreatChina'sco
7、mmercialbanksloanstoSMEswithlittledifferencebetweentheattitudeTypically,theUnitedStatestheamountoflong-termfinancingofSMEsand25%~85%fromtheaccumulationoftheenterprise.90Inthemid-20thcentury,thetotalinternalsourcesoffundsfinancingtheproportionroseto61.
8、5percentfrom82.8percent,whichshowsthattheUnitedStatestoobtaincommercialfinancingofsmallandmedium-sizedproportionwasnothigh.ThedifferenceisthattheU.S.governmenthasneverbeentothecommercialfinancialinstitutionsto"issue"administrativeindicators,bu
