中小企业是我国社会经济发展中不可或缺的重要组成部分。然而,中小企业融资难已成为了一个普遍的经济现象。本文针对当前我国中小企业融资难面临的现状,分析其融资难的原因,并在此基础上提出多渠道、多方面解决中小企业融资难的对策。 Small and medium-sized enterprises are an indispensable part of our country’s social and economic development. However, SME financing has become a common economic phenomenon. In view of the current situation of SME financing difficulty in our country, this article analyzes the reason of its financing difficulty, and on this basis puts forward the multi-channel, multi-faceted solution to the financing difficulties of SMEs.