中小企业已经成为我国国民经济的重要支柱和举足轻重的生力军,是我国最具有活力的国民经济新的增长点。但是,资金短缺、融资困难的问题,严重制约着中小企业的生存和发展。本文从企业自身、金融体系、资本市场和外部环境等方面分析中小企业融资难的主要因素,提出多方面、多渠道解决中小企业融资难的主要对策。 Small and medium-sized enterprises have become an important pillar of China’s national economy and an important force in the country’s economy. It is a new growth point for the most dynamic national economy in our country. However, the problems of shortage of funds and difficulties of financing severely restrict the existence and development of SMEs. This article analyzes the main factors that make SME difficult to finance from the aspects of enterprise itself, financial system, capital market and external environment, and puts forward the main countermeasures to solve the financing difficulty of SME in many ways and in various ways.