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“融资难”一直是制约我国中小企业发展的“瓶颈”问题，从国家到地方，从政府部门到金融部门，从理论界到实际部门的工作者都在探讨如何解决中小企业融资难的问题。本文作者在充分调研的基础上，着重从金融部门和企业自身两个方面来分析中小企业融资难的问题，并从政府、金融、企业三个方面提出相应的解决办法，具有一定的现实性和可操作性。
“Financing difficulties” has always been a “bottleneck” problem that restricts the development of small and medium-sized enterprises in China. From the country to the local government, from government departments to the financial sector, and from the theoretical community to the actual sector, workers are discussing how to solve the financing difficulties of SMEs. On the basis of full investigation, the author of this article focuses on analyzing the financing difficulties of SMEs from both the financial sector and the enterprise itself, and proposes corresponding solutions in three aspects: government, finance, and enterprise, with certain practicality. Operability.