改革开放以来，我国的中小企业得到了迅速发展，它不仅成了目前中国经济发展与增长的重要动力，而且在整个国民经济中所占的比重越来越大。
与此相反，小企业的生存环境却不尽如人意，其中融资难已成为制约中小企业发展的瓶颈因素。
本文通过采用文字叙述、数据对比的方法，分析中小企业融资难的原因，最后根据中国实际国情提出解决此问题的对策，包括：政府应尽快建立社会信用体系，积极筹建信贷担保体系；商业银行应加快创新步伐，完善服务，为中小企业提供量体裁衣的金融产品；中小企业应加强自身形象和信用的建设，严格规范财务管理等。社会各方应为构建一个和谐发展的中小企业融资大环境共同努力。
关键词：中小企业，中小企业融资困境，融资渠道
ABSTRACT
Small and medium-sized enterprises (SMEs) have made great progress since the reform and opening to the outside world. SMEs have become a significant drive and play an important role in national economy. However, contrary to their formidable contribution, SMEs face a relatively hard competition environment, where the difficulty in financing is the bottle-neck problem that limits their development.
The article analyses the reason for the finance predicaments by using verbal description and data contrast. And finally it puts forward some suggestions based on the present actual situation of china to solve the problem, including the government should establish and improve a social credit system as soon as possible and be active in the establishment of a credit guarantee system for SMEs, the financial institutions ought to improve the quality of services and offer more financial services products which are tailor-made to meet unique needs of SME clients by accelerating the pace of financial innovation, SMEs must set up a good corporate image and credibility , strictly in accordance with the accounting regulations. All parties in society should devote themselves to constructing the construction of a Financialng Services Environment for SMEs of to promote their harmonious development for SMEs.
Key Words：Small and medium-sized enterprises (SMEs)，SME financing predicaments，Financing channels
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