目前我国中小企业融资困难,本文旨在分析其具体生存环境,探讨外部原因及自身原因的对于此现状影响,并提出相关建议:企业改善管理方式并提高自身经营素质,银行需要积极完善融资体系,政府应加强信贷政策的导向作用和扶持力度。 At present, the financing problems of SMEs in our country are difficult. The purpose of this paper is to analyze the specific living environment, to explore the external factors and their own reasons for the current situation, and to put forward relevant suggestions: To improve the management methods and improve their own management, banks need to actively improve the financing system, The government should strengthen the guiding role and supportiveness of credit policies.