中小企业是我国国民经济发展的重要力量,然而中小企业却面临严重的融资困难的问题,融资难已经成为了我国中小企业发展“的瓶颈”。本文从中小企业在我国经济发展中的地位出发,研究中小企业的融资渠道以及中小企业融资困难及其原因,并提出解决中小企业融资难问题的途径和方法。 Small and medium-sized enterprises (SMEs) are an important force in the development of our national economy. However, SMEs face serious problems of financing difficulties. Financing difficulties have become the bottleneck in the development of SMEs in our country. Based on the status of small and medium-sized enterprises in the economic development of our country, this paper studies the financing channels for small and medium-sized enterprises and the financing difficulties of SMEs and their causes. It also proposes ways and means to solve the financing difficulties of small and medium-sized enterprises.