笔者通过对上海几家中小企业及金融机构的调查,结合相关资料分析,发现我国中小企业融资方面呈现内源性融资比例严重不足、直接融资门槛高、间接融资困难、大量转向民间融资等问题,而我国中小企业融资难问题原因主要有信息不对称产生的道德风险及信贷配给不公平及社会的偏见或习惯等,针对我国中小企业融资现状与融资难的原因分析,提出了解决我国中小企业融资难的问题可以从建立中小金融机构、积极引导民间融资、借鉴发达经济体的经验等几个方面着手。 Based on the investigation of several SMEs and financial institutions in Shanghai and the analysis of related data, the author finds that there is a serious shortage of endogenous financing in SME financing in China, high direct financing threshold, indirect financing difficulties, However, the financing difficulties of SMEs mainly include the moral hazard caused by asymmetric information, the unfair credit rationing and social prejudices or habits. Based on the analysis of the financing status quo and financing difficulties of SMEs in our country, this paper proposes a solution to the financing problems of SMEs Difficult problems can be approached from the following aspects: establishing small and medium-sized financial institutions, actively guiding private financing and drawing lessons from the experience of developed economies.