改革开放以来,我国中小企业迅猛发展,实现了数量上和实力上的飞跃,为我国市场经济注入了新鲜血液。中小企业的活力不仅体现在促增长、保就业、勇创新,其经营的灵活性更是企业生命力的来源。可是,从起步开始,融资难问题就一直困扰着中小企业,成为中小企业生存发展的瓶颈。中小企业做出的贡献与其获得的资金支持是极不相称的。本文旨在探讨制约中小企业发展的融资难问题及其解决途径。 Since the reform and opening up, the rapid development of China’s small and medium-sized enterprises has achieved a quantum leap in terms of strength and infused fresh blood into the market economy in our country. The vitality of SMEs is not only reflected in the promotion of growth, employment protection, brave innovation, the flexibility of its operation is the source of business vitality. However, starting from the beginning, the problem of financing difficulties has plagued SMEs and has become a bottleneck for the survival and development of SMEs. The contribution made by SMEs is extremely disproportionate to the financial support they receive. The purpose of this paper is to explore the financing problems that hinder the development of SMEs and how to solve them.