摘要：中小企业在国家经济中有着重要的影响和作用，对吸纳就业、增加财政收入、优化经济结构都有着重要贡献。但是，目前我国中小企业面临资金、技术、管理等方面的许多问题，其中资金困难是最大的难题，解决好中小企业融资难问题有着重要的现实意义。本文着重分析了中小企业融资过程中存在的突出问题及其产生的原因，有针对性的提出了加大政府扶持力度，完善法律法规建设、依法打造诚信社会，规范中小企业信用担保体系、建立多层次的中小企业融资体系，加大银行支持力度，严厉规定利息标准，加强融资资金管理、防范融资风险等促进中小企业健康发展的对策建议。

关键词：中小企业；融资；健康发展

Abstract: In recent years, China's SMEs face many difficulties from the capital, technology, marketing, management, etc., which is the number one problem of financing difficulties of SMEs. SME financing as a supplement in the form of financial resources and market allocation behavior of a financial services for economic and financial operation plays an invaluable role, to a certain extent, promoted the economic development is an important source of funding for economic development, to promote economic restructuring has a positive effect, in favor of financial reform and innovation, and promote the prosperity and development of the financial industry. In this paper, the theoretical basis of the relevant SME financing, analyzing SME financing problems and the causes, and finally to promote the healthy development of SME financing proposal.

Key words: SMEs; Funds; Financing; Development