中小企业是我国国民经济发展的重要支柱之一,也创造了大部分的就业机会,但是融资难一直是困扰我国中小企业发展的一个“瓶颈”问题。只要国家在政策上鼓励商业银行支持中小企业融资,同时商业银行通过创造性开通贷款通道,中小企业强化自身条件并加强与银行进行信息沟通,这个问题可以缓解。本文结合中小企业融资“瓶颈”问题,研讨其突破融资“瓶颈”的对策措施。 Small and medium-sized enterprises are one of the important pillars of our country’s national economic development and have also created most of the employment opportunities. However, financing difficulties have always been a bottleneck that has plagued the development of SMEs in our country. As long as the state encourages commercial banks to support the financing of SMEs in their policies, commercial banks can ease the problem through creatively opening up lending channels, strengthening their own conditions for SMEs and strengthening information communication with banks. In this paper, SMEs financing “bottleneck ” issue, discuss its breakthrough financing “bottleneck ” countermeasures.