请大家帮我找一篇关于《中小企业融资方式选择》的外国文献，并且附中文翻译。

SMEs in the country's economic and social development that plays an important role in the economic development and social stability of the important pillars in the actual work of financing constraints SME development has become the main obstacle.
In this paper, the status of financing for SMEs, the SME financing analysis factors. SME credit culture that loss, financial management confusion, poor economic returns, lack of credit guarantees, domestic financial industry and the integration of its own loans in the current austerity is the main obstacle to SME financing. Proposed solutions should focus on the current development of small and medium banks, establishing a sound credit guarantee system problems to a fundamental breakthrough in getting loans for SMEs bottlenecks contradictions. At the same time, from the perspective of building their own enterprises make policy recommendations.
中小企业在我国经济和社会发展中具有举足轻重の作用，是经济发展和社会稳定の重要支柱，而在实际工作中，融资难已成为制约中小企业发展の主要障碍。
本文针对中小企业融