摘要：在中国经济发展中，中小企业的出口在中国进出口贸易中占有重要地位，也是推动中国经济发展的重要力量。但目前，中小企业仍然面临着在贸易中融资难的问题，企业一旦资金链断裂，面临无法生产，更甚者严重影响企业发展，而使得企业被迫倒闭。融资难的问题严重限制中小企业的发展。所以本文对中小企业出现融资难的问题进行分析，并找出问题的原因，通过企业自身发展、国家政策制定及金融机构融资方式的发展等提出共同解决中小企业贸易融资难的对策。

    本文根据国内外研究现状，结合金融危机后经济的发展，对中小企业在融资中遇到的问题进行分析。文章中提出中小企业在我国经济发展中起到的重要作用，而使得中小企业在融资方面的问题更加值得关注；并对中小企业融资难的问题进行现状分析，并对其现状提出多方面的存在原因，最后根据不同的原因提出了相应的对策，对中小企业在融资方面的问题进行有效的分析及对策研究。

关键词：金融危机；中小企业；融资；对策

Abstract：In the economic development of China, small and medium-sized enterprises occupy an important position in the export of import and export trade in China, and to promote Chinese economy development the important strength as well. But at present, the medium and small enterprises still face in international trade financing difficult problem, once the enterprise’s funds strand breaks, then Enterprises could not be production, even a serious impact on enterprise development, and the company was forced to declare bankruptcy. Financing problem severely limits the development of small and medium sized foreign trade enterprises. So this article analyzes international financing problems of the medium and small foreign trade enterprises, and finds the cause of the problem, through the development of the enterprise itself, the national policy and the financial institutions in financing the developing way forward common solutions to small and medium enterprises financing countermeasure.

　　 According to the research status at home and abroad, combined with the development of economy after the financial crisis, the SMEs in international financing problems of analysis. The articles presented in small and medium enterprises in China's economic development plays an important role, so that the financing of SMEs in question is worthy of attention; and the financing difficulty of small and medium-sized enterprises analyzes the current situation, and the status quo of multidimensional existence reason, according to the different causes and put forward corresponding countermeasures, to the small and medium-sized foreign trade enterprises in the international financing problems for effective analysis and countermeasure research.

Key words：Financial crisis; Small and medium-sized enterprises; Financing; Countermeasure