中小企业是我国经济发展中一支非常重要的力量,在为社会作出的贡献日益增长的同时,由于规模小、实力弱、信誉度低,中小企业融资难问题一直得不到很好的解决,并成为制约中小企业发展的重要因素。要有效解决这一难题,本文分析研究了造成融资难的原因。在此基础上,借鉴先进国家的成功经验,对中小企业的融资方式进行创新,化解中小企业融资困局提出了对策。 Small and medium-sized enterprises (SMEs) are a very important force in the economic development of our country. As the contributions made by the SMEs have been growing day by day, they have not been well solved because of their small size, weak strength and low credit standing. And become an important factor restricting the development of small and medium-sized enterprises. To effectively solve this problem, this paper analyzes the reasons for the difficulties caused by financing. On this basis, drawing lessons from the successful experience of advanced countries, this paper puts forward countermeasures to innovate the financing methods of SMEs and resolve the financing difficulties of SMEs.