摘要：中小企业对促进国民经济增长、推进技术创新、多元化经济结构、缓解就业压力方面有着重要的作用。然而，融资难已成为制约中小企业进一步发展的瓶颈。这些问题对于中小企业的可持续发展非常重要，由于目前的环境，制度以及中小企业自身的弱势等诸多方面原因，中小企业的发展存在诸多矛盾和问题。解决这一难题需要完善中小企业自身管理体制和国家政策的扶持，以此来推动中小企业的发展。

关键词：民营 ; 中小企业 ; 融资 ; 温州

Abstract:In regard to promoting the development of natinonal economy,stimulating technological innovation,diversifying the industry structure and providing employment opportunities,,small and medium enterprises（SMEs）play an indispensable role. However,the financing difficulties of SMEs has been a bottleneck restricting its further development.These problems have put a great impact on the sustainble developement of SMEs.Due to the reasons of environment,system and the internal disadvantages of the SMEs, there are still many problems need to be solved in the process of the development of SMEs..To solve the problems,the management system of these enterprises,need to be perfect ,as well as the country's policy. Hence the development of the small and medium sized enterprises will be ensured.

Keywords:Private enterprises ; SMEs ; Financing management ; Wenzhou