中小企业的发展对一个国家和地区的经济发展与稳定起到了非常重要的作用,尤其是在就业形势日益严峻、经济飞速发展的今天,其作用不可小觑。本文从内生性和外生性这两个方面去探究中小企业融资难的症结所在,并给出一些建议,以期对解决中小企业融资难问题有一定的借鉴意义。 The development of small and medium-sized enterprises has played a very important role in the economic development and stability of a country and a region. In particular, the role of SMEs in today’s increasingly harsh employment and rapid economic development should not be underestimated. This article from two aspects of endogeneity and exogeneity to explore the crux of SME financing difficulties, and gives some suggestions, in order to solve the financing problems of SMEs have some reference value.