资金是中小企业发展中一个至关重要的问题,很多国家在解决中小企业的资金需求方面都有不少行之有效的做法,这些作法的共同点是得到了国家财政资金的有力支持。美国美国联邦政府每年扶持中小企业发展的财政预算资金约200亿美元。联邦政府小企业管理局经国会授权拨款,可以向小企业提供贷款。贷款一般有3种形式:一是直接贷款,由小企业局直 Funds are a crucial issue in the development of SMEs. Many countries have quite a few effective ways of solving the capital needs of SMEs. The common ground of these measures is the strong support from the state treasury funds. The United States U.S. federal government annually supports the development of small and medium-sized enterprises with a budget of about 200 billion U.S. dollars. The Federal Government Small Business Administration, authorized by the National Assembly, can provide loans to small businesses. Loans generally have three forms: First, direct loans by the Directorate of Small Business