在当前国家大力支持中小企业发展的宏观经济环境下,各金融机构也在加大中小企业贷款融资力度,为了更好的响应号召,充分发挥中小企业在经济发展中的作用,本文对中小企业融资方面存在的问题进行了剖析,从企业和金融机构两个方面分析了融资难的原因,认为中小企业融资难主要难在担保、难在风险控制,而贸易融资因其自偿性、独立性,可以很好的应对以上问题,所以商业银行的贸易融资业务是解决中小企业融资难的一条重要途径。 Under the current macroeconomic environment in which the country strongly supports the development of SMEs, all financial institutions are also increasing the financing of SME loans. In order to better respond to the call and give full play to the role of SMEs in economic development, this paper studies the financing of SMEs Analyzed the reasons of financing difficulty from two aspects of enterprises and financial institutions, considered that it is difficult for small and medium-sized enterprises to guarantee financing, which is difficult to control risk. However, due to its self-compensation, independence, This can be a good response to the above problems, so the trade finance business of commercial banks is an important way to solve the financing difficulties of SMEs.