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作者以職工人數為20-300人的小企業群體作為研究對象進行研究，發現小企業的外部融資環境不相容和小企業自身的種種不足， 且二者的交互作用， 造成社會資金流向大、中型企業，小企業融資被邊緣化。作者提出了七大類型的融資創新，即政府政策扶持型融資創新、大型商業銀行融資創新、中小型金融機構融資創新、地方性資本市場融資創新、小企業集群融資創新、以及兩種融資創新模式—供應鏈融資模式創新和銀行、保險機構共同參與的風險投資創新模式。
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