摘要：伴随着我国社会经济的发展，中小民营企业也在迅速的发展着，同时为我国的社会经济发展与提高人们的生活质量做出了非常大的奉献，变成我国经济的核心关键部分。可是中小民营企业在快速发展的时候很多问题也伴随着出现，尤其是融资困难总是阻碍与危及着中小民营企业进一步发展，所以解决中小民营企业融资难的问题刻不容缓。在我国，中小民营企业数量非常多，在提供就业机会，增加GDP，上缴税金等多方面起着独一无二的作用。另外，维持中小民营企业强健迅速的发展对建设小康社会意义非凡。

    本文基于以上背景，通过文献查阅、图表分析等方法,对企业融资问题进行了比较深入的研究。首先，分析了国内外对中小民营企业融资问题的研究；其次，提出中国中小民营企业融资问题的主要原因；再者，通过结合对安徽莱恩电泵有限公司融资现状的分析，找出其融资困难的问题及原因，最后提出相关可行性的建议，例如完善政府扶助支持体系，完善银行借贷机制，加强自身素质建设等。

关键词 中小民营企业；融资问题；解决对策

Abstract：with the development of economy, the private enterprise is in constant development, and for our country's national economic development and made great contribution to the improvement of people's living standard, and become an important part of our country's economy. But, at the same time in the rapid development of private enterprises are also facing many problems, especially the financing difficulties have been severely hampered and affect the further development of private enterprises, and in small and medium-sized private enterprises is more serious. In our country, a huge number of small and medium-sized private enterprises in absorbing employment, creating GDP, pay taxes and other plays an irreplaceable role. And small and medium-sized private enterprises healthy development is of great significance to building a well-off society. So solve the problem of small and medium-sized enterprise financing has become the top priority.

　　Based on the above background, this article through the literature consult, chart analysis and index analysis method, compares the financing problems of further research. First of all, both at home and abroad are analyzed for small and medium-sized private enterprises financing problem research; Secondly, this paper puts forward the main reason for China's small and medium-sized private enterprises financing problems; Of ANHUI Laing pumps co., LTD. Furthermore, by combining financing present situation analysis, find out the problems and the reasons of the financing difficulties, and finally put forward relevant feasible Suggestions, such as perfecting the government helped support system, improve the bank lending mechanism, strengthening the construction of their own quality, etc.

Keywords  private enterprises  Financing problems  Countermeasures