我国中小企业是国民经济中的重要力量,其健康发展有助于活跃市场经济,促进资源优化配置。然而,融资难题却始终困扰着中小企业,使其发展缺乏后劲。本文将根据中小企业实际经营中面临的融资问题、困难,结合相关理论、法规等进行分析、探究。发现我国中小企业融资方面呈现内源性融资比例严重不足、直接融资门槛高、间接融资困难、大量转向民间融资等问题,而我国中小企业融资难问题原因主要有中小企业自身存在的机制障碍、资本市场结构单一、金融机构的设置很难满足需求、法律规章制度不健全、担保机制及体系不完善、政府政策支持不够等,针对我国中小企业融资现状与融资难的原因分析,提出了可以从提升自身竞争力和承担风险能力、建立中小金融机构、积极引导民间融资、加大政府支持力度、营造良好的外部环境、借鉴发达国家的先进经验、拓宽中小企业的融资渠道等几个方面着手,以期促进中小企业突破发展瓶颈,提高整体经济水平。 Small and medium-sized enterprises in our country are important forces in the national economy. Their healthy development helps to promote an active market economy and promote the optimal allocation of resources. However, the financing problems have always plagued SMEs, leaving their development lagging behind. This article will be based on the financing of SMEs in the actual business problems, difficulties, combined with relevant theories, laws and regulations to analyze and explore. It is found that the financing problems of SMEs in our country are seriously deficient in the proportion of endogenous financing, the threshold of direct financing is high, the difficulties of indirect financing are shifting to private financing, and so on. However, the reasons for the financing difficulty of SMEs in China mainly include the institutional barriers existing in SMEs themselves, The structure of a single market, the financial institutions is difficult to meet the needs of the setting, the laws and regulations are not perfect, the guarantee mechanism and the system is not perfect, the government policy support is not enough, for the current status of SME financing and financing difficulties in China, Its own competitiveness and ability to take risks, establish small and medium-sized financial institutions, actively guide private financing, increase government support, create a favorable external environment, draw on the advanced experience of developed countries and broaden the financing channels for SMEs, etc. Promote small and medium-sized enterprises to break the bottleneck of development and improve the overall economic level.