摘要：改革开放30年来，我国中小企业取得了迅猛的发展势头，已经成为国民经济发展的一个重要组成部分，并对我国的国民经济、生活水准的提高以及社会的和谐稳定起到了不可估量的作用。同时，中小企业也是我国经济发展最富活力，最具有创新精神和新的产业形成的重要力量。但是，我国中小企业的发展仍面临着很大的困难。融资作为中小企业内部管理机制中的一个重要因素，对增强企业市场竞争力具有举足轻重的作用。随着我国中小企业的发展，诸多问题也逐渐暴露出来，特别是中小企业融资难的问题，已成为阻碍我国中小企业发展的绊脚石。本文详细的分析了中小企业融资过程中存在的诸多问题，指出产生中小企业融资问题的主要原因，探讨了解决中小企业融资难问题的有效对策。

关键词：中小企业  融资  对策

Abstract：30 years of reform and opening up, the medium and small enterprises in China has made rapid development momentum, the development of national economy has become an important component, and to our national economy, the improvement of living standard and social harmony and stability have played an important role. Meanwhile, small and medium-sized enterprises in China's economic development is most alive, the most innovative spirit and new industry form important strength. However, China's small and medium-sized enterprise development still face a great deal of difficulty. Finance, as small and medium-sized enterprise internal management mechanism of one of the important factors, to strengthen the enterprise market competitiveness vital role. Along with the development of small and medium-sized enterprises in China, many problems also gradually revealed, especially small and medium-sized enterprise financing difficult question, has become a block of small and medium-sized enterprises to develop stumbling block.. This paper makes a detailed analysis of the small and medium-sized enterprise financing problems existing in the process, and points out that the small and medium-sized enterprise financing problems produced the main reasons, this paper solve the difficulty in financing smes effective measures.

Key words：Small and medium-sized enterprise，financing，countermeasures

中小企业是我国经济增长的重要支柱。目前，中小企业发展面临的最大问题是融资难。造成中小企业融资难得根本原因，主要来自于企业自身的经营状况、扶持中小企业发展政策体系仍未建立健全、缺乏健全的担保体系导致中小企业融资困难、中小企业抵押式担保能力不足以及政府的扶植力度不够等多种因素。解决中小企业融资难得问题，不仅需要中小企业完善自身的治理结构，加强与银行的联系，更需要国家尽快制定出为中小企业融资的政策措施，建立完善中小企业服务体系，为中小企业的发展创造出一个良好的外部条件。总之，中小企业融资问题的解决，是我国中小企业快速、健康发展的前提和基础，也是我国国民经济健康持续发展的源泉。随着我国经济的快速发展，对这一问题的研究将进一步加深。