中小企业虽然已经成为推动中国经济高速发展的生力军,但所获得的银行服务却远远落后于大公司和零售客户,只能依靠自我融资和非银行渠道的中小企业融资困境某种程度上已经阻碍了中小企业发展。在我国现有的金融服务框架下缓解中小企业融资难的问题需要从改善中小企业融资环境,提高中小企业自身实力,增强企业综合素质,完善中小企业融资信用担保体系等方面入手。 Although SMEs have become the new force in promoting China’s rapid economic development, the access to banking services has lagged far behind that of large corporations and retail customers. The financing difficulties of SMEs, which can only rely on self-financing and non-banking channels, have to some extent been hindered The development of small and medium enterprises. Under the framework of the existing financial services in our country, it is necessary to alleviate the financing difficulties of SMEs from such aspects as improving the financing environment for SMEs, improving their own strength, enhancing their overall quality and improving the financing guarantee system for SMEs.