摘要：改革开放以来，我国中小企业发展迅速，已经成为市场经济的重要组成部分，成为国民经济的一个新的增长点。相对于中小企业对国民经济发展和增加就业机会等方面的贡献来讲，政府和社会给予中小企业的支持,尤其是在中小企业发展所急需的资金支持上却非常有限。众所周知，资金是企业发展的推动力，企业发展离不开资金的支持，而资金短缺是各国各地区中小企业发展过程中普遍存在的难题，无论是发达国家还是发展中国家对中小企业融资困难的漠视，致使中小企业融资渠道不畅，进而导致中小企业发展遭遇“瓶颈”，企业成长陷入困境。显而易见，融资难已经成为制约中小企业发展的主要问题。 

关键词：中小企业 资金短缺 融资瓶颈 

Abstract：Since the reform and opening up, China's small and medium-sized enterprise development is rapid, has become an important part of market economy, become a new growth point of national economy. Relative to small and medium-sized enterprise development of national economy and increase employment opportunities, etc, the contribution to the government and society in terms of support of small and medium-sized enterprises, especially in small and medium-sized enterprise development has urgent need financial support is very limited.. As is known to all, money is force of enterprise development, enterprise development is inseparable from the support of capital, and capital shortage is in various countries and various areas small and medium-sized enterprise development process prevalent problem, whether developed or developing countries to state financing difficulties of small and medium-sized enterprises, which disregard for the financing channel, which led to the small and medium-sized enterprise development encounter "bottleneck", enterprise growth is in a mess. Obviously, difficulty in financing constraints sme development has become the main problem. 

Keywords：financial support  financing channels bottleneck

　　目前，随着经济的发展，我国的中小企业融资中存在着融资成本高、融资渠道比较狭窄、手段单一，缺乏融资信用，而政府又支持不力的现象。探讨中小企业融资困境、寻求解决中小企业融资难的对策，对于中小企业的发展，进而推动我国国民经济的健康发展是必要的。中小企业融资问题已成为我国中小企业快速健康发展的“瓶颈”，研究中小企业融资问题、探讨我国中小企业融资对策，对于推动我国国民经济的健康发展具有重要的意义。