改革开放30多年来,中小企业迅速发展壮大,并成为推动我国经济持续、快速、健康发展的重要力量。但是,资金短缺、融资渠道狭窄、融资困难等问题一直困扰着中小企业的长远稳定发展。本文就中小企业融资难的困境和原因做系统阐述,并对解决中小企业融资难的困境提出对策。 Over the past 30 years of reform and opening up, small and medium-sized enterprises have rapidly grown in strength and become important forces for the sustained, rapid and healthy development of our economy. However, the problems of lack of funds, narrow financing channels and difficult financing have plagued the long-term stable development of SMEs. This article elaborates on the difficulties and causes of SME financing difficulties and puts forward countermeasures to solve the difficulties of SME financing.