中小企业经过长足发展,已经成为国民经济的重要组成部分,是中国经济持续快速发展的动力之源。本文通过中小企业自身原因,商业银行的原因,担保体系不健全等方面分析融资难,通过提高中小企业自身素质,完善信用担保体系,建立多层次资本市场体系等方面解决中小企业融资。 After a long-term development, SMEs have become an important part of the national economy and the source of China’s sustained and rapid economic growth. This article analyzes the financing difficulty through the reasons of SMEs themselves, the reasons of commercial banks, the imperfect guarantee system and so on. It solves the financing of SMEs by improving the quality of SMEs, improving the credit guarantee system and establishing a multi-level capital market system.