中小企业是国民经济的重要组成部分,对经济发展和社会稳定起着举足轻重的作用。目前中小企业的发展受到了诸多因素的影响,其中,融资困难是最为突出的一个问题。本文从分析中小企业融资现状入手,揭示了导致中小企业融资困难的内部因素和外部原因,针对中小企业融资中出现的困难,提出相应的对策。 Small and medium-sized enterprises are an important part of the national economy and play an important role in economic development and social stability. At present, the development of SMEs has been affected by many factors, of which financing difficulties are the most prominent issue. Starting with the analysis of the financing status of SMEs, this article reveals the internal factors and external causes that cause the financing difficulties of SMEs, and puts forward corresponding countermeasures in light of the difficulties in the financing of SMEs.