摘 要:随着我国市场经济体制的不断发展和完善，我国的市场经济发展迅速。中小型企业也取得很大发展，目前已成为国民经济重要的组成部分。中小型企业的快速发展对促进我国国民经济增长、提高就业率、增强我国经济实力有重要作用。但在当前经济形势下，我国中小型企业发展困难重重[1]，陷入了资金荒的困境，很多企业面临着倒闭，究其根本原因在于中小型企业融资难。本课题以长江三角洲地区为例，通过研究分析长三角地区中小企业融资难的现状，得出影响中小企业融资难的三个方面的因素：宏观方面、金融体系和中小型企业自身。本课题通过对影响中小企业融资三个方面因素的分析，分别地提出解决宏观方面、金融体系和中小企业自身的解决途径。

关键词：中小型企业；融资难；金融创新

ABSTRACT:With the development of China's market economy system and perfect, China's market economy develops rapidly. Small and medium enterprises have made great development, has now become an important part of the national economy. To promote the growth of the Chinese economy, increase the employment rate, enhance China's economic strength has an important effect on the rapid development of small and medium enterprises. But in the current economic situation, our country small and medium-sized enterprise development difficulties [1], into a funding shortage dilemma, many enterprises are facing closure, is the fundamental cause of the difficulty in financing of small and medium enterprises. This paper takes the Yangtze River Delta area as an example, through the analysis of the financing of small and medium-sized enterprises in the Yangtze River Delta region, the three factors influence the financing of small and medium-sized enterprises: the macroscopic aspect, the financial system and small and medium enterprises. This topic through the impact analysis of three aspects of financing of small and medium-sized enterprises factors, respectively is proposed to solve the solution the macroscopic aspect, the financial system and the small and medium-sized enterprises.

Keywords: small and medium-sized enterprises；financing；financial  innovation