中小企业是我国经济的重要推动力,它不仅满足了人们的生活的各种需求,促进地方就业,还丰富了我国的市场经济结构,为我国经济高速增长发挥了重要作用。然而,经过多年的发展,我国的中小企业已经到了瓶颈期,融资难问题成为突破瓶颈的关键,本文分析了中小企业融资难的原因并提出相应的建议。 Small and medium-sized enterprises are an important driving force for our economy. They not only meet the various needs of people’s lives, promote local employment, but also enrich China’s market economy structure, playing an important role in China’s rapid economic growth. However, after years of development, China’s SMEs have reached the bottleneck, and financing difficulties have become the key to breaking through the bottleneck. This paper analyzes the reasons for SME financing difficulties and puts forward corresponding suggestions.