中小企业是中国经济发展的不竭动力,但是融资问题一直是困扰中小企业发展的难题,尤其是随着全球金融危机的出现,中小企业融资难问题愈来愈突出。本文详细分析了金融危机下中国中小企业的融资现状及其融资难的内外原因,从国家、银行和中小企业三个方面提出了解决中小企业融资难具体措施。 SMEs are an inexhaustible motive force for China’s economic development. However, the issue of financing has always been a problem that plagued the development of small and medium-sized enterprises. Especially with the advent of the global financial crisis, the financing difficulties of SMEs have become increasingly prominent. This article analyzes in detail the financing status of SMEs in China during the financial crisis and the reasons for their difficulties in financing, and puts forward specific measures to solve the financing difficulties for SMEs from the three aspects of the state, banks and small and medium-sized enterprises.