在经济发展程度越来越深的今天,人们已经认识到,中小企业在经济发展的过程中起到了巨大的作用,是关系一国和一个地区经济发展的重要因素。但在目前的经济环境下,融资难成为了导致中小企业发展困难的最重要的原因,通常会成为制约企业做大做强的瓶颈。本文就我国的社会经济环境、中小企业发展方式及其融资现状进行探讨,对相关融资方式的特征进行了总结和比较,对比目前的融资方式,结合相关现实生活中的案例分析,指出直接融资与中小企业快速发展的重要关系,说明了直接融资是促进中小企业发展的重要途径。 At a time when economic development is deepening, people have come to realize that small and medium-sized enterprises have played a huge role in the process of economic development and are important factors in the economic development of a country and a region. However, under the current economic environment, financing difficulties have become the most important cause of the difficulties in the development of small and medium-sized enterprises, which often become the bottleneck that restricts enterprises from becoming bigger and stronger. This paper discusses the social and economic environment of our country, the mode of development of SMEs and the status quo of their financing, summarizes and compares the characteristics of the relevant financing methods, and compares the current financing methods with the related real life case studies, pointing out that direct financing and The important relationship between the rapid development of SMEs shows that direct financing is an important way to promote the development of SMEs.