近些年来,许多中小企业都在起步发展,越来越多的中小企业占领了更多的市场份额。当今中小企业已经成为我国经济市场不可缺少的部分。但中小企业发展却异常艰难,本文从现实情况出发,分析中小企业在国民经济中的重要作用以及中小企业面临的最重要的融资问题。 In recent years, many small and medium-sized enterprises are beginning to develop, and more and more small and medium-sized enterprises have occupied more market shares. Today’s small and medium-sized enterprises have become an indispensable part of China’s economic market. However, the development of SMEs is extremely difficult. Based on the actual situation, this article analyzes the important role of SMEs in the national economy and the most important financing problems faced by SMEs.