中小企业在国民经济发展中具有十分重要的作用,但融资难一直困扰着中小企业的发展。我们现行的金融体制又无法满足所有中小企业的融资需求,所以,很多中小企业只有通过民间借贷来解决资金困境。民间借贷还存在不易管理、抗风险能力弱等缺陷,因此,研究民间借贷与中小企业融资困难问题具有十分重要的意义。本文主要从中小企业融资困难的现状及原因入手,分析民间借贷对中小企业融资的影响,并提出引导民间借贷正规发展的对策。 Small and medium-sized enterprises play a very important role in the development of the national economy, but financing difficulties have always plagued the development of small and medium-sized enterprises. Our current financial system can not meet the financing needs of all SMEs. Therefore, many SMEs solve their financial difficulties only through private lending. Private lending still has defects such as not easy to manage and weak anti-risk ability. Therefore, it is of great significance to study the problem of private lending and SMEs financing difficulties. This paper starts with the current situation and reasons of SME financing difficulties, analyzes the impact of private lending on SME financing, and puts forward countermeasures to guide the normal development of private lending.