改革开放以来,我国的中小企业发展很快,在整个国民经济中发挥着越来越重要的作用,为我国经济增长做出了极大的贡献,但在其发展过程中明显地表现出三个悖论,使融资难成为我国中小企业的关键问题。因此,本文通过研究,旨在找出使中小企业融资难的解决方法. Since the reform and opening up, the small and medium-sized enterprises in our country have developed rapidly and have played an increasingly important role in the entire national economy and have made great contributions to the economic growth of our country. However, in the course of their development, they have clearly shown three Paradox, making financing difficult for SMEs in China’s key issues. Therefore, this article through research, aimed at finding a solution to the financing difficulties of SMEs.