融资难是制约中小企业发展的瓶颈。信息不对称、中小企业资信等级低、缺乏抵押资产等是导致中小企业融资难的主要原因。因贷款交易和监控成本高等原因,银行也不愿对中小企业放贷。中小企业融资难不仅抑制了中小企业的创新活力、大大制约了中小企业的发展,也不利于引导和激发全社会的创业热情和积极性,延缓我国社会经济发展的进程。 Financing difficulty is the bottleneck restricting the development of SMEs. Information asymmetry, low credit rating of SMEs, the lack of mortgage assets are the main reasons leading to SME financing difficulties. Banks are also reluctant to lend to SMEs due to the high cost of loan transactions and monitoring. SMEs financing difficulties not only inhibit the innovative vitality of SMEs, greatly restricted the development of SMEs, is not conducive to guide and stimulate entrepreneurial enthusiasm and enthusiasm of the whole society, delaying the process of China’s social and economic development.