中小企业融资困境是一个世界性的难题。文章通过对中小企业自身特质、银行经营模式以及政府政策效能等方面的分析,揭示了中小企业资金供需矛盾形成的原因,在此基础上结合我国当前实际,从中小企业、政府、制度建设等角度出发,提出缓解中小企业融资难题的对策。 SMEs financing difficulties is a worldwide problem. By analyzing the characteristics of small and medium-sized enterprises, the bank’s business model and the effectiveness of government policies, the article reveals the reasons for the formation of the contradiction between the supply and demand of funds for small and medium-sized enterprises. On the basis of this, combined with the current reality in our country, from the perspectives of SMEs, government and institution building Set out, to solve the financing problems of SMEs to solve the problem.