在国民经济发展的过程中,中小企业一直起着拉动内需、扩大就业、支撑大企业和地方发展的独特作用。但由于诸多原因,中小企业融资难的问题十分突出,民间借贷则成为这类企业融资的重要渠道之一。本文以江苏省南通市海安县为例,通过大量数据分析该县民间借贷现状,并提出化解中小企业借贷难的方法。 In the process of national economic development, SMEs have played a unique role in stimulating domestic demand, expanding employment and supporting large enterprises and local development. However, due to many reasons, the financing of SMEs is very difficult, and private lending has become one of the important channels for financing such enterprises. In this paper, Haian County, Nantong City, Jiangsu Province as an example, through a large number of data analysis of the status quo of private lending in the county, and put forward to resolve the difficulties of small and medium enterprises lending methods.