改革开放以来特别是近年来,中小企业逐渐成为目前中国市场经济至为关键的一环。但是纵观中小企业在其发展壮大过程中还面临着诸多的困难和挑战,其中,最大的发展瓶颈是融资难、融资贵问题。同时,商业性金融机构的信贷投放逐渐向以大型国企为主的相似行业集聚,不仅蕴含着信贷风险过度集中的风险,减少中小企业的有效金融供给,而且容易导致金融资源出现错配或效率低下,影响国民经济协调、均衡发展。为此,本文分析了中小企业融资困境下商业性金融机构风险发生的原因,并尝试提出破解中小企业融资难进而化解商业性金融机构 Since the reform and opening up, especially in recent years, SMEs have gradually become the key link in China’s market economy. However, looking at SMEs in the process of their development and expansion, they still face many difficulties and challenges. Among them, the biggest bottleneck in development is financing difficulties and financing problems. At the same time, commercial credit institutions gradually converge on similar industries dominated by large state-owned enterprises, which not only contain risks of over-concentration of credit risk and reduce the effective financial supply of SMEs, but also easily lead to mismatches in financial resources or inefficiency , Affecting the coordination of the national economy and balanced development. To this end, this article analyzes the reasons for the risk of commercial financial institutions under the financing difficulties of SMEs, and tries to put forward the solution to the problems that the financing of SMEs can not be solved and the commercial financial institutions