改革开放以来,我国中小企业发展取得了重要的成就,成为我国经济社会发展中的重要力量。尽管中小企业在我国国民经济发展中功不可没,但是,近年来我国中小企业的发展却面临着融资难问题。本文通过阐述我国中小企业融资难的现状,进而分析了中小企业融资难的原因,最后,提出了解决中小企业融资难的对策。 Since the reform and opening up, the development of China’s small and medium-sized enterprises has made important achievements and become an important force in the economic and social development in our country. Although small and medium-sized enterprises can not contribute to the development of our national economy, in recent years, the development of small and medium-sized enterprises in our country faces the problem of financing difficulties. This article elaborates the current situation of SME financing difficulty in our country, then analyzes the reason of SME financing difficulty, and finally puts forward the solution to the SME financing difficulty.