摘要：改革开放以来，我国中小企业发展迅速，它们已成为我国经济发展中的重要组成部分，对我国的经济增长做出了重要的贡献，其中，在扩大就业、增加财政收入、推动创新等方面都发挥着重要的作用。然而，中小企业融资难一直困扰着中小企业发展，成为制约中小企业发展的障碍。这其中既有中小企业自身信用、实力等内部的因素，也有我国政策体系不完善、政府扶持力度不够、信用体系不健全、金融产品缺乏创新等外部因素。本文第一部分介绍了中小企业融资难问题的背景和意义，总结了国内外对于中小企业融资的研究；第二部分是阐述了中小企业及其融资概述，指出了我国中小企业的界定和作用以及融资的方式；第三部分是针对融资难问题，从中小企业、金融机构、资本市场等多个角度去分析其原因；第四部分是提出了具体解决中小企业融资难的对策，如提高中小企业自身的水平、金融机构加强对中小企业扶持力度、建立多层次的资本市场等。

关键词：中小企业；融资；信用担保体系；融资方式

Abstract：Since the Reform and Opening of China, small and medium sized enterprises (SMEs) have developed rapidly in China, it has become an important part of economic development, it has made important contributions to our economic growth, which has played an important role in expanding employment, increasing revenue and promoting innovation. However, the financing of SMEs becomes barriers hanging overhead the SMEs, troubling the development. Not only because their own credit problem, weak strength and other internal factors, but also our policy system is imperfect, government support is not enough, the credit system is not perfect, the lack of financial product innovation and other external factors. The fist part introduces the background and significance the financial of SMEs and summarizes the research for SMEs financing at home and abroad; The second part describes overview of SMEs and their financing, and points out that definition and role of SMEs in China, as well as financing approach. The third part is based on the problem of financing, which is form the multiple perspectives of SMEs, financial institutions, capital markets, to analyze its causes; The fourth part is to put forward countermeasures to solve the financing difficulties of SMEs, such as raising the level of the SMEs themselves, financial institutions strengthen efforts to support SMEs, establishing a multi-level capital market.

Key words: MSEs; financing; credit guarantee system; financing way