长期制约中小企业发展的主要因素是我国中小企业融资难,所以需提高自身素质,政府创造环境,尝试资产证券化,多管齐下解决问题,拓宽发展前景。文章结合各个方面,为中小企业解决融资作出合理的分析和中肯建议,以长期推动我国中小企业的发展。 Long-term constraints on the development of SMEs is the main factor in the financing difficulties of SMEs in China, it is necessary to improve their own quality, the government to create the environment, try asset-backed, multi-pronged solution to the problem and broaden the development prospects. The article combines all aspects to make reasonable analysis and suggestions for the SMEs to solve the financing in order to promote the long-term development of SMEs in our country.