近年来,中小企业在扩充就业机会、增加财务收入、促进社会和谐等方面占据了越来越重要的地位。但是由于自身的不足、政府政策缺乏统领性以及银行设置的“高门槛”等因素,融资问题成为阻碍中小企业进步的绊脚石。下面笔者将以烟台市为例,运用SWOT模型,对中小企业融资的影响因素进行分析,并适当地提出解决对策。 In recent years, SMEs have taken an increasingly important role in expanding employment opportunities, increasing financial revenues and promoting social harmony. However, due to its own shortcomings, the lack of government policy and the bank’s “high threshold” and other factors, the issue of financing has become a stumbling block to the progress of SMEs. The following author will take Yantai as an example, the use of SWOT model to analyze the impact of SME financing factors, and put forward appropriate solutions.