中文摘要：

二战后至今,日本利率政策总体经历了3个阶段的历史演进,这3次利率政策变革对中小企业融资模式产生了重要影响。普通银行、中小企业金融机构和政策金融机构等分别在不同时期发挥了重要作用。当前我国正值利率市场化改革的关键时期,中小企业融资难困境亟待解决,因而日本中小企业融资模式演进的经验具有一定的借鉴意义。

英文摘要：

The post-war Japanese interest rate policy has experienced three stages,each exerting crucial influences upon the financing patterns of small and medium-sized enterprises（SMEs）.Commercial banks,SME financial and policy financing institutions have played important roles in the different development stages.China is at the crossroad of the reform of interest rate policy,the changing Japanese SME financing patterns have important implications for China.