以下英文文献全部都可以在美国小企业管理局（the Small Business Administration，US）的官方网站上免费下载，不需要论坛币。我只贴出来了近些年的文献，更早期的文献还有很多，大家可以在美国小企业管理局的网站里检索下载。

         看了看外国研究中小企业融资问题的论文，回过头来再看国内的文章，我觉很多都是垃圾。

         美国小企业管理局网址：www.sba.gov

         Information Source: Website of the Small Business Administration，US

June 2010 – Bank Credit, Trade Credit or No Credit: Evidence from the Surveys of Small Business Finances , [PDF file] submitted by Rebel Cole, Research Summary [PDF]

June 2010 – Structure of Household Debt of Small Business Owners in the United States: Findings from the Survey of Consumer Finances, 1998–2007, [PDF file] submitted by George Haynes, Research Summary [PDF]

January 2010 – Income and Wealth: How Did Households Owning Small Businesses Fare from 1998 to 2007? [PDF file] by George W. Haynes Research Summary [PDF]

July 2009 – Small Business in Focus: Finance [PDF File] A Compendium of Research by the Small Business Administration's Office of Advocacy, Research Summary. [PDF File]

May 2009 – Small Business and Micro Business Lending in the United States, for Data Years 2007-2008 [PDF File] by Victoria Williams and Charles Ou, U.S. Small Business Administration,Office of Advocacy, Office of Economic Research, Research Summary. [PDF File]

September 2008 – The Importance of Angel Investing in Financing the Growth of Entrepreneurial Ventures [PDF File] a working paper submitted by Scott Shane, Research Summary. [PDF File]

June 2008 – Small Business and Micro Business Lending in the United States, for Data Years 2006-2007 [PDF File] by Victoria Williams and Charles Ou, U.S. Small Business Administration,Office of Advocacy, Office of Economic Research, Research Summary. [PDF File]

May 2008 – What Do We Know about the Capital Structure of Privately Held Firms: Evidence from the Surveys of Small Business Finance [PDF File] by Rebel A. Cole Research Summary. [PDF File]

February 2008 – Small Business and Micro Business Lending in the United States, for Data Years 2005-2006 [PDF File] by Victoria Williams and Charles Ou, U.S. Small Business Administration,Office of Advocacy, Office of Economic Research, Research Summary. [PDF File]

January 2008 – Uncovering Knowledge Structures of Venture Capital Investment Decision Making [PDF File] submitted by Pankaj Patel and Rodney D’Souza, University of Louisville, Research Summary. [PDF File]

July 2007 – The Effect of Wealth and Race on Start-up Rates [PDF File] submitted by Maritza Salazar (BCT Partners, LLC), Research Summary. [PDF File]

June 2007 – Corporate Venture Capital and the International Intensity of Portfolio Companies [PDF File] submitted by Joseph A. LiPuma, Boston University, Research Summary. [PDF File]

June 2007 – A Two-step Analysis of Standardized Versus Relationship Bank Lending to Small Firms [PDF File] submitted by Polly Hardee, Ph.D, Research Summary. [PDF File]

May 2007 – The Value to Banks of Small Business Lending [PDF File] submitted by Joe Peek, Research Summary. [PDF File]

April 2007 – Income and Wealth: How did Households Owning Small Businesses Fare from 1989 to 2004? [PDF file], submitted by George W. Haynes, Research Summary [PDF file]

December 2006 – Small Business and Micro Business Lending in the United States [PDF File], for Data Years 2004-2005 - prepared annually by the Office of Advocacy using Call Report and CRA data from the Federal Reserve Board Research Summary. [PDF File]

November 2006 – A Survey Based Assessment of Financial Institution Use of Credit Scoring for Small Business Lending [PDF file], submitted by Drs.Charles and Adrian Cowan, Research Summary [PDF file]

June 2006 – Banking and SME Financing in the United States [PDF file], submitted by Charles Ou, Research Summary [PDF file].

June 2006 – How Did Small Business-Owning Households Fare During the Longest U.S. Economic Expansion? [PDF file], submitted by Charles Ou and George Haynes, Research Summary [PDF file].