[摘要]中小企业是我国国民经济发展的重要组成部分和重要力量, 在增加就业、促进科技进步、繁荣经济等方面发挥着不可忽视而且不可替代的作用。截至2009年9月底，全国工商登记企业1030万户(不含3130万个体工商户)，按现行中小企业划分标准测算，中小企业达1023.1万户，超过企业总户数的99%。中小企业创造的最终产品和服务价值相当于国内生产总值的60%左右，缴税额为国家税收总额的50%左右，提供了近80%的城镇就业岗位。

　　　但是随着经济改革的不断深入, 中小企业的发展问题日益突出, 而中小企业受融资难问题的困扰, 其发展举步艰难。本文针对中小企业发展中的融资难问题,从不同的角度分析中小企业融资难的主要原因, 提出相应的对策。

[关键词]中小企业；融资结构；融资渠道；融资效率；内部原因；外部原因；

[Abstract] As the important part and the vigor power of our country national economy development, medium and small enterprises (SEMs) play an indispensable and irreplaceable role in increasing job opportunities, stimulating the enhancement of S&T, boosting the economy. By the end of September 2009, about 10.231 million enterprises have registered with the State Commerce and Industry Bureau, excluding 31.30 million industrial and commercial households. According to the recent designated standards for the division, SEMs reach to 10.231 million households, which have exceeded the total number of the enterprises about 99%.The value of all final goods and services created by SEMs takes up 60% of the GDP. Furthermore, SEMs make up 50% of the whole national tax revenue income and provide 80% of the towns’ new jobs. 

　　　But along with the economic reform, the development of small and medium-sized enterprises has become an increasingly important issue , small and medium-sized enterprises are beset by difficult financing problem, their developments step difficultly. Aiming at the problems of the financing difficulties of small and medium-sized enterprises , the passage analyzes main reasons of financing difficulties in small and medium-sized enterprises from different angles, and put forward the corresponding measures .

[Keywords]Small and medium enterprises；Financing Structure；Financing；Financing Efficiency；Internal reasons；External reasons