中小企业已占到我国企业总数的99%以上,已经成为我国经济建设的重要力量。但与此同时,我国的中小企业在自身经营过程中出现了融资难问题,这始终困扰和制约着中小企业的发展。本文围绕这一主题,分析了问题产生的原因并提出了相应的对策。 SMEs have accounted for more than 99% of the total number of enterprises in our country and have become an important force in the economic construction of our country. However, at the same time, SMEs in our country have experienced the problem of financing difficulties in their own operation, which always plagued and constrained the development of SMEs. Based on this theme, this paper analyzes the causes of the problems and puts forward corresponding countermeasures.