随着经济的发展,我国中小企业已经不同于上世纪九十年代时期的情形,不论从规模还是效益上实现了飞跃式的发展。面对着经济危机后的世界经济的发展,中国中小企业生存面临着巨大的挑战。对中小企业最为重要的贷款融资,在经济危机后随着国家金融政策的转变而收紧,成为金融危机时期中小企业倒闭的主要原因。最近几年民间融资成为企业募集资金的最为重要的途径,在其快速发展阶段也发生了不少问题,本文分析我国中小企业民间融资过程中遇到的一些法律问题,提出了企业自我健全财务管理以及政府提供金融支持的的机制。 With economic development, China’s SMEs have been different from the situation of the nineties of last century, leaps and bounds in terms of scale and efficiency. In the face of the global economic development after the economic crisis, the survival of SMEs in China is facing enormous challenges. The most important loan financing for small and medium-sized enterprises (TFEs) was tightened as the state’s financial policy changed after the economic crisis and became the main reason for the failure of SMEs during the financial crisis. In recent years, private financing has become the most important way for enterprises to raise funds. There are also many problems in its rapid development stage. This article analyzes some legal problems encountered in the process of private financing for SMEs in our country, And the mechanism by which the government provides financial support.