On november 14th , 2003 , cicete organized a member consultative meeting of the china - finland sme working group . participants were from the department of european affairs , department of planning , department of mechanical and electronic products of mofcom , sme department of ndrc national development and reform commission , executive bureau of investment promotion of mofcom , cooperation consultation department , china federation of industrial economics , china - europe association for technical and economic cooperation , china chamber of commerce of import and export of machinery and electronics products , china export and credit insurance corporation , beijing municipal bureau of commerce , beijing economic - technical development area , beijing tianzhu export industrial zone , qinhuangdao economic and technical development zone 2003年11月14日，交流中心组织召开了"中芬经贸联委会中小企业工作组成员单位协调会议" ，包括商务部欧洲司规财司机电司科技司国家发改委中小企业司商务部投资促进事务局中国工业经济联合会协作咨询部中国欧洲经济技术合作协会中国中小企业对外协调合作中心中国机电产品进出口商会中国出口信用保险公司北京市商务局北京市经济技术开发区北京天竺出口加工区天津外经贸委和秦皇岛经济技术开发区等共17家单位参加了会议。
One of the motive of this project is setting up crisis management circulate system , advancing the ability of enterprise competition and respond crisis in market by constructing key competitiveness of enterprise . then the enterprise can develop continue and stably . the other motive of this project is enhance establish crisis management and crisis management systems , seeking the useful way of railway small and medium _ sized enterprise to respond crisis , in order to the theory of crisis management be well use in the enterprise and advance the ability of enterprise escape risk 在此基础上，建立危机管理运行机制，使得企业能通过核心竞争力的构建，提高其参与市场竞争的能力和应对危机的能力，促进企业持续稳定地发展；加强危机管理和危机管理机制的建立，努力寻求中国中小企业应对危机的有效途径，使危机管理理论在企业得以良好的应用，提高企业归避风险的能力。
In the fourth chapter , a bank - enterprises credit model has been set up to analyze credit rationing in indirect financing risk , which helps to find proper measures lessening the information asymmetry and moral risk in credit . lastly the author puts forward several suggestions for the controllment of medium and small - size enterprises " financing risk . the sticking - point of this paper is to review the dynamic game played between bank and medium and small - size enterprises providing some advice in detail to depress the moral risk and converse choice in the financing process of medium and small - size enterprises 其中，第三章探索了中国中小企业融资过程中存在的各类风险动因、特征和效应；建立综合评价中小企业融资风险的指标体系；第四章则针对间接融资渠道对于企业的重要程度，建立银行和企业借贷模型，定量分析导致间接融资风险中“惜贷”风险的因素? ?信贷配给，并进一步从理论上寻求降低银行和企业间信息不对称、防范资金信贷中的道德风险和逆向选择的方法。
Through the researches in the two chapters ahead and after the consideration of the concrete situation of such enterprises in china , i spread my discussion , in chapter 3 , respectively from the aspects of finding more financing resources and perfecting the financing circumstances , and then provided the countermeasures and thoughts for improving the financing actuality . thus , the objective of the whole thesis was ultimately achieved in chapter 3 通过前面两个章节的分析和对中国中小企业具体情况的思考，笔者在第三章中重点从拓宽融资渠道和改善融资环境两个角度展开论述，提供了改善我国中小企业融资现状的对策思路，至此，整个论文的写作目标在这一章基本得以实现。
The second part will discuss the important statue and effect of medium and small - size enterprises in social development , especially make a positive analysis , concluding that the statues of medium and small - size enterprises does not correspond to their importance which embarrasses the further development of national economy . and the following chapters will seek for the resolution to the financing problem of medium and small - size enterprises 第二章将主要运用经济学理论考察一般中小企业在社会发展中的重要地位和作用，尤其针对中国中小企业融资体系进行了实证分析，得出中国中小企业地位与融资水平极不相称，进而会阻碍我国经济进一步发展的结论。
