针对银行和中小企业融资关系相关内容进行比较和选择,提出了中小企业直接融资过程中遇到的阻碍,对于这些阻碍,分别站在微观角度和宏观角度分析。结合这些内容,分析了银行与中小企业融资关系比较与选择,其主要内容包括银企融资关系类型及适用背景分析,两种融资关系与中小企业融资:理论分析与选择,杠杆型融资:现实可行性与可能出现的问题等,通过对这些内容的分析和总结,以期为我国中小企业的发展以及银行的投资提供一定的帮助。 The paper compares and chooses the relevant contents of the financing relationship between banks and small and medium-sized enterprises, and puts forward the obstacles encountered in the direct financing of small and medium-sized enterprises. For these obstacles, they stand separately from the micro and macro perspectives. Combined with these contents, this paper analyzes the comparison and choice of financing relationship between banks and SMEs. The main contents include the types of financing relationship between banks and enterprises and their applicable background analysis, two types of financing relationship and financing of SMEs: theoretical analysis and selection, leveraged financing: realistic and feasible Nature and possible problems, through the analysis and summary of these contents, with a view to the development of China’s small and medium-sized enterprises and banks to provide some help to the investment.