中小企业在保证国民经济持续、健康、稳定发展中的作用越来越重要。然而,融资困难一直制约着我国中小企业的快速发展。目前,存款准备金频繁上调在长期内必然会对中小企业的融资产生影响。因此,本文分析了当前央行上调存款准备金率给中小企业融资带来的利弊,在此基础上,主要针对促进中小企业贷款融资的发展提出了若干可行的对策建议。 The role of SMEs in ensuring a sustained, healthy and stable development of the national economy is playing an increasingly important role. However, financing difficulties have always restricted the rapid development of SMEs in our country. At present, the frequent increase of deposit reserve will inevitably affect the financing of SMEs in the long run. Therefore, this article analyzes the pros and cons of the current central bank raising the deposit reserve ratio to SMEs financing, on this basis, mainly for promoting the development of SME loan financing put forward a number of feasible countermeasures and suggestions.