中小民营企业已成为我国经济发展的一个重要组成部分,为地区的经济发展,增加就业岗位,缓解就业压力等方面发挥出越来越重要的作用。但融资困难严重阻碍中小企业的发展。本文分析了中小民营企业融资困难的现状和原因,并探讨了中小企业融资策略。 Small and medium-sized private enterprises have become an important part of China’s economic development and have played an increasingly important role in promoting economic development in the region, increasing employment opportunities and alleviating employment pressure. However, financing difficulties have seriously hindered the development of SMEs. This article analyzes the current situation and reasons of financing difficulties for small and medium-sized private enterprises, and discusses financing strategies for small and medium-sized enterprises.