浙江省丽水市中小企业的发展大力推动了丽水经济的发展,但与其他民营企业一样,这些企业面临着融资困难的问题,具体表现为银行融资额过少,民间融资成本相对较高等问题。如何提高中小企业的素质,并利用更多的政策支持,给中小企业发展创造一个良好的发展环境是当前探讨的热点。本文从丽水中小企业本身存在的问题及外部环境因素上分析了其融资难的原因,并在此基础上提出了一些建议。 Lishui, Zhejiang Province, the development of small and medium enterprises to promote the Lishui economic development, but, like other private enterprises, these enterprises are facing financing problems, specifically for the bank financing is too small, relatively high cost of private financing and other issues. How to improve the quality of SMEs, and use more policy support for the development of SMEs to create a good environment for development is the current hot spots. This paper analyzes the reasons for the difficulty of financing from the existing problems of Lishui SMEs themselves and the external environment, and puts forward some suggestions on the basis of this.