我国中小企业是我国经济发展的生力军,但是中小企业融资难问题长久以来没有得到较好的解决。本文从阐述中小企业的融资渠道入手,分析其融资困难的原因,以及比较民间融资与其它融资方式相比的优势,认为民间融资的方式是有效解决我国中小企业融资难的首要途径。 China’s small and medium-sized enterprises are the new force in the economic development of our country, but the financing problems of small and medium-sized enterprises have not been solved well for a long time. This article starts with explaining the financing channels of SMEs, analyzes the causes of their financing difficulties, and compares the advantages of private financing with other financing methods. It considers that private financing is the most effective way to solve the financing difficulty of SMEs in our country.