我国的中小企业通常是人员规模,经营规模,特别是资金规模较小的企业。在此前美国金融危机的影响下,我国的许多中小企业更是过了个寒冷的冬天。虽然现在金融危机的寒潮已退去不少,然而,由于中小企业自身特征,偿债能力弱、融资规模较小、财务规范性差、缺乏完善的公司治理机制等问题,使得我国中小企业在融资问题上仍然存在着很大的瓶颈。为了更好的发展,中小企业应该趋利避害,选择合适的融资结构。同时金融机构和政府也要加强对中小企业发展的重视。 China’s small and medium-sized enterprises are generally the size of the staff, operating scale, especially small-scale enterprises. Under the influence of the U.S. financial crisis, many small and medium enterprises in our country passed the cold winter. Although the cold wave of the financial crisis has receded quite a lot, due to its own characteristics, weak solvency, small scale of financing, poor financial standardization and lack of a sound corporate governance mechanism, SMEs in China make financing problems more difficult There is still a big bottleneck. In order to better development, SMEs should seek advantages and avoid disadvantages, select the appropriate financing structure. At the same time, financial institutions and governments should also pay more attention to the development of SMEs.