中小企业信贷融资存在问题和对策研究——以江苏省宿迁地区为例的中期报告摘要：中小企业是中国经济发展的重要力量。为了推动中小企业发展，信贷融资问题一直备受关注。本文以江苏省宿迁地区中小企业信贷融资问题为研究对象，运用文献调研法、实地调查法、经验分析法等方法进行研究，得出以下结论：一、中小企业信贷融资问题主要表现在融资难、融资贵、融资周期长等方面；二、造成中小企业信贷融资问题的原因主要包括银行信贷政策不健全、中小企业信息不对称、中小企业经营管理水平不高等方面；三、针对中小企业信贷融资问题，需要采取多种对策，包括完善银行信贷政策、加强中小企业信息披露、提高中小企业经营管理水平等。关键词：中小企业；信贷融资；融资难；融资贵；融资周期长；对策Abstract:Smallandmedium-sizedenterprisesareanimportantforceinChina'seconomicdevelopment.Inordertopromotethedevelopmentofsmallandmedium-sizedenterprises,creditandfinancingissueshavealwaysbeenaconcern.Takingthecreditandfinancingissuesofsmallandmedium-sizedenterprisesinSuqianareaofJiangsuProvinceastheresearchobject,thispaperusesliteratureresearchmethod,fieldinvestigationmethod,empiricalanalysismethodandothermethodsforresearch,anddrawsthefollowingconclusions:1.Theproblemsofcreditandfinancingofsmallandmedium-sizedenterprisesaremainlymanifestedindifficultyinfinancing,highfinancingcosts,andlongfinancingcycles.2.Thereasonsforthecreditandfinancingproblemsofsmallandmedium-sizedenterprisesmainlyincludetheincompletepoliciesofbankcredit,informationasymmetryofsmallandmedium-sizedenterprises,andlowmanagementlevelsofsmallandmedium-sizedenterprises.3.Inresponsetothecreditandfinancingproblemsofsmallandmedium-sizedenterprises,itisnecessarytoadoptavarietyofcountermeasures,includingimprovingbankcreditpolicies,strengtheninginformationdisclosureofsmallandmedium-sizedenterprises,andimprovingthemanagementlevelofsmallandmedium-sizedenterprises.Keywords:smallandmedium-sizedenterprises;creditandfinancing;difficultyinfinancing;highfinancingcosts;longfinancingcycles;countermeasures.