企业无论大小，都需要取得一定数量的资金。资金的取得是企业存在和发展的基本条件，是资本运营的起点。但在现实经济生活中，中小企业却始终遭遇融资难的问题，以致严重抑制了中小企业的生机、活力与进一步发展的空间。本文意在简要分析中小企业融资的特点、融资难的成因，并 Enterprises, regardless of size, need to obtain a certain amount of money. The acquisition of capital is the basic condition for the existence and development of an enterprise and the starting point for capital operation. However, in the real economic life, SMEs have always been experiencing the problem of financing difficulties. As a result, the vitality, vitality and room for further development of SMEs have been severely inhibited. This article is intended to briefly analyze the characteristics of SME financing, the causes of financing difficulties, and