中小企业融资难的问题,在世界范围内都引起了广泛的重视,许多国家,包括发达国家和发展中国家,都有专门的法案、措施帮助中小企业得到更多融资。本人最近两年承担北京大学-花旗银行关于服务型中小企业融资问题的研究,通过理论分析、问卷调查、实地走访等多种方式对中小企业融资问题进行了研究。我想谈谈研究过程中的一点思考,分为三个部分, The financing difficulties of SMEs have drawn wide attention all over the world. Many countries, including developed and developing countries, have special bills to help SMEs get more financing. In the recent two years, I undertook the research of Peking University-Citibank financing service for SMEs, and studied the financing problems of SMEs through theoretical analysis, questionnaire survey and field visits. I would like to talk about some thinking in the research process, divided into three parts,