中小企业融资难,这一直是理论界的热门话题,实际上它也是世界性的难题。这有中小企业本身存在的问题,如财务报表不规范、信息披露差、企业存续期短、管理欠规范等。也有商业银行方面的问题,如交易成本高、信息不对称、企业经营不稳定等。因此,必须认真研究解决中小企业融资这个 SME financing difficult, this has always been a hot topic in the theoretical circles, in fact it is also a worldwide problem. There are problems with SMEs themselves, such as non-standard financial statements, poor information disclosure, short business life, and poor management practices. There are also commercial bank issues, such as high transaction costs, asymmetric information, and business instability. Therefore, we must seriously study and solve the problem of financing for SMEs