中、美中小企业金融成长周期的融资结构比较

阐述了企业融资结构理论及企业金融成长周期理论，比较了中、美中小企业金融成长周期的融资结构，指出了我国中小企业在创业期特别是在成长期的贷款比率与美国企业相比较低，但进入成熟期以后明显上升并略高于美国企业的主要原因，由此针对解决我国中小企业融资难的问题提出了建立发展具备多种功能的金融市场、重点解决企业的创业融资、建立覆盖全社会的诚信制度和中小企业信用担保体系和逐步推出创业板市场等建议。

Comparison the Financing Structure of Financial Growth Cycle Between China and America

The paper expounded the financing structure, theory and the enterprises financial growth cycle theory. The financing structure of financial growth cycle between China and American was compared. The chief cause of Chinese small and medium-sized enterprises small and medium-sized enterprises' loan rate is lower than American in initial stages, then higher in mature stages. The article tables some proposals of established finance market with multi-function, created credit surety rule of small and medium-sized enterprises and made the enterprises stock financing.