中小企业作为我国市场经济的细胞,在实现国家利税,增加就业岗位,维护市场竞争活力,保障经济稳定运行方面起着不可忽视的作用,近年来,中小企业融资问题日渐成为各方关注的热点问题。中小企业融资现状不仅体现在其自身的缺陷,还体现在融资渠道的不畅,金融机构的不重视。我们要多管齐下,积极应对中小企业融资障碍:加强中小企业自身的建设;健全中小企业信用担保体系;完善政府对中小企业的扶持政策;鼓励商业银行创新金融产品。 As a cell of China’s market economy, small and medium-sized enterprises play an important role in realizing national profits and taxes, increasing employment opportunities, maintaining the vitality of market competition and ensuring the stable operation of economy. In recent years, SME financing has increasingly become a hot issue of concern to all parties . The status of SME financing is not only reflected in its own shortcomings, but also reflected in the poor access to financing, financial institutions do not pay attention. We must take a multi-pronged approach to actively tackling the financing hurdles for SMEs: strengthening the building of SMEs themselves; improving the credit guarantee system for SMEs; improving government support policies for SMEs; and encouraging commercial banks to innovate in financial products.