中小企业融资环境不佳是世界各国中小企业普遍面临的问题,而影响中小企业融资环境的因素又十分复杂。笔者主要从中小企业自身、金融机构、政府部门三个方面提出了改善中小企业融资环境的几条途径。 The poor financing environment for SMEs is a common problem faced by SMEs in various countries in the world, and the factors that affect the financing environment for SMEs are very complicated. The author puts forward several ways to improve the financing environment of SMEs from three aspects of SMEs themselves, financial institutions and government departments.