很多经济学家都认为中小企业融资难是因为其信誉度比较差,本文通过分析我国中小企业在制定信誉制度的过程中存在的问题,从而能够完善经济学的模型,提高中小企业的信誉度,着力解决中小企业融资难的问题,提高中小企业的信用价值,促进中小企业在银行贷款的可持续发展。 Many economists think that it is difficult for small and medium-sized enterprises to finance because of their relatively poor creditworthiness. This article analyzes the problems existing in the process of establishing credit system for small and medium-sized enterprises in our country, so as to improve the economics model and improve the credibility of SMEs. Efforts to solve the problem of SME financing difficult to improve the credit value of SMEs to promote the sustainable development of SMEs in bank loans.