我国的民营中小企业经过近30年的快速发展已初具规模,从规模和质量上都在国民经济总量中占有重要地位,但在民营中小企业的快速发展中,也出现了一些制约其发展的问题,比如说融资难的问题,特别是在2008年金融危机过后,我国民营中小企业融资难的问题更显突出。由于一些金融机构贷款资源倾向于垄断行业,国有大中型企业,而对民营中小企业惜贷,少贷,进而导致民营中小企业经在发展上经常遇到资金瓶颈,影响其快速发展,也制约了我国经济持续快速发展。本文将对我国民营中小企业融资难的深层次原因进行分析,及提出应对政策。 After nearly 30 years of rapid development, China’s privately-run small and medium-sized enterprises have begun to take shape. They both occupy an important position in the total national economy in terms of both size and quality. However, in the rapid development of private-owned small and medium-sized enterprises, there have also been some constraints on their development For example, the issue of financing difficulties, especially after the financial crisis in 2008, the problem of financing of private SMEs in China is even more prominent. As some of the financial institutions lending resources tend to monopolize the industry, large and medium-sized state-owned enterprises, and private small and medium-sized SMEs credit loans, less loans, which led to the development of private SMEs often encounter financial bottlenecks in development, affecting its rapid development, but also restricted China’s economy sustained and rapid development. This article will analyze the deep-seated causes of the financing difficulty of private SMEs in our country and put forward the coping policies.