2007年8月起,美国次贷危机引起的全球金融风暴席卷全球,美国、日本和欧盟等世界主要金融市场缩水不断,损失惨重。但就当前社会现状来看,融资困难是困扰大多数中小企业实现转型升级的普遍问题。本为旨在通过分析我国中小企业融资贷款现状中存在的问题,从企业及金融机构两方面入手提出解决建议,为双方排忧解难。 Since August 2007, the global financial turmoil caused by the U.S. subprime mortgage crisis has swept the world. The world’s major financial markets such as the United States, Japan and the European Union have been shrunk continuously and suffered heavy losses. However, judging from the current social situation, financing difficulties are a common problem plaguing most SMEs in their transformation and upgrading. The purpose of this article is to analyze the problems existing in the status quo of SME financing loans in our country, and to put forward solutions and proposals for both enterprises and financial institutions so as to solve the problems for both parties.