对于企业而言,它的整个发展过程中唯独不能缺少的生产要素就是资金,但是始终困扰着所有企业长期发展的问题是应该如何避免资金短缺。本文通过研究我国中小企业发现,其整体的素质不高,无法取得银行的信任;金融机构不健全的内部体制建设,中小金融机构的有限资金;信用担保机构的影响力不足的同时还缺少风险补偿机制;缺乏有关的法律法规是造成我国中小企业资金短缺的原因。通过分析上述原因从而给出关于缓解我国中小企业资金短缺的策略。 For the enterprise, the only indispensable element of production in its entire development process is capital. However, the problem that always plaguing all enterprises in the long run is how to avoid shortage of funds. This paper studies the small and medium-sized enterprises found in our country, the overall quality is not high, can not get the trust of the bank; the financial institution does not improve the internal system construction, the limited funds of small and medium financial institutions; credit guarantee institutions lack of influence but also lack of risk compensation Mechanism; lack of relevant laws and regulations is the cause of the shortage of funds for SMEs in our country. By analyzing the above reasons, this paper gives a strategy of alleviating the shortage of funds for SMEs in our country.