中小企业不断发展壮大,已成为国民经济和社会发展发展的重要力量,但由于自身和外在的原因,中小企业融资存在很大困难,资金的短缺已经制约中小企业的快速发展。解决中小企业的资金需求,第一,需要完善中小企业金融法律法规;第二,需要培育良好的社会信用环境;第三,需要提高中小企业自身素质和竞争力;第四,需要建立和完善为中小企业服务的信贷担保机构,第五,需要设立专门为中小企业服务的中小型金融机构;最后,需要建立健全中小企业融资配套服务制度,构建以间接融资为主、直接融资为辅的多元化融资体系。 The continuous development and expansion of small and medium-sized enterprises has become an important force in the development of the national economy and society. However, due to their own and external reasons, SME financing has great difficulties. The shortage of funds has already constrained the rapid development of SMEs. To solve the funding needs of SMEs, first, the need to improve the financial laws and regulations of SMEs; Second, the need to cultivate a good social credit environment; Third, the need to improve the quality and competitiveness of SMEs themselves; Fourth, the need to establish and improve The credit guarantee agency for SME services, fifthly, needs to set up small and medium-sized financial institutions that serve exclusively for small and medium-sized enterprises. Finally, it is necessary to establish a sound financing service system for small and medium-sized enterprises and to build a diversification based on indirect financing and direct financing. Financing system.