1、资金短缺。小企业难以获得资金的主要原因是在其“小”上。一方面,小企业资产少,缺少贷款的抵押品;另一方面,小企业多属于新创建企业,经营时间短,往往缺少较详细的经营绩效记录,因此,包括银行在内的众多投资者难以确认小企业的经营状况,认为对小企业投资风险大。所以,小企业在创业初期只能依靠企业主平时的积蓄、亲友借贷、合伙集资等途径筹集资 1, lack of funds. The main reason why it is difficult for small businesses to obtain funds is because they are “small.” On the one hand, small businesses have few assets and they lack collateral for loans. On the other hand, small businesses are mostly newly established companies. They have short operating hours and often lack detailed operating performance records. Therefore, it is difficult for many investors, including banks. We confirm the business conditions of small businesses and believe that there is a high risk of investment in small businesses. Therefore, small enterprises can only rely on savings from business owners, family and friends, and partnerships to raise funds at the initial stage of their establishment.