自2008年金融危机以来,我国中小企业的发展举步维艰,面临着出口受阻、成本上涨、管理落后等一系列严峻的问题。其中中小企业融资成本高,融资渠道不顺畅,融资难的问题最为突出。本文分析了我国中小企业的财务结构现状,并在此基础上,提出了一些相应的对策。 Since the financial crisis in 2008, the development of SMEs in our country has been struggling and facing a series of serious problems such as blocked exports, rising costs and poor management. Among them, the financing cost of small and medium-sized enterprises is high, the financing channels are not smooth, and the financing problems are the most prominent. This article analyzes the current situation of the financial structure of SMEs in our country, and on this basis, puts forward some countermeasures.