中小企业的发展在国民经济中的地位和作用已越来越明显 ,但是当前作为阻碍中小企业发展的一大瓶颈问题———融资难的问题已是不争的事实 ,通过分析中小企业当前在几种主要的融通资金方式上所遇到的困难的原因 ,可以看到我国的中小企业只有适时的改变融资方式 ,才能使我国的中小企业在激烈的经济竞争中立于不败之地。随着金融租赁业的发展 ,中小企业应在自有资金积累不足的前提下 ,借鉴国际租赁经验 ,充分发挥金融租赁这一强有力的融资方式的优点 ,大力为中小企业的发展融通资金 The status and role of the development of SMEs in the national economy have become more and more obvious. However, as a major bottleneck that hinders the development of SMEs, the financing problem is an indisputable fact. By analyzing the current situation of small and medium-sized enterprises The major reasons for the difficulty in financing the funds can be seen that only when the SMEs in our country change the financing methods in a timely manner can the SMEs in our country be invincible in the fierce economic competition. With the development of financial leasing industry, SMEs should make full use of the advantages of financial leasing, a powerful financing method, based on the experience of international leasing under the premise of insufficient accumulation of funds, and make great efforts to provide financing for the development of SMEs