2、中小企业的社会金融体系不够完善、信用担保不成熟、中小企业信息不对称、自身体制不健全、信用度低等都是造成中小企业融资困难的主要因素。并在借鉴国外经验的基础上，结合我国国情，提出要从中小企业自身抓起，切实提高企业总体素质，同时加速建立多层次、全方位、完善的中小企业融资支持体系和健全的经营机制，改善中小企业融资的宏观政策环境，才能保障中小企业健康快速的发展，促进我国国民经济的发展。【关键词】:中小企业；融资；存在问题；对策【Abstract】:For a long time, small-medium sized enterprises have played
3、important roles in development of national economy construction. However, there are many factors restraining development of small-medium sized enterprises in China, specially financing bottle-neck. It is necessary to settle 29to solve the financing problem. First, we should anal
4、yze the financing problems of small-medium sized enterprises and make corresponding steps. This paper mainly analyze the presenting conditions and the causes of financing plight from the following three aspects: National macro-policy、Financial system、quality of the enterprises i
5、tself, then we come to the conclusion. They are the principal factors which make the small-medium sized enterprises hard to finance, such as the imperfection social financing system、immaturity of credit warranty、asymmetric information of the enterprises、unsound system of enterpri
6、ses themselves、the low credits and so on. On the bases of benefiting from foreign experiences and fundamental realities of our country, we will get down to improve the quality of their own. At the same time, we also accelerate to build multi-levels, all- dimensional, perfect sup
7、portive financing system and improve the macro-policy environment. In this case, we can ensure the quick and healthy development of small-medium sized enterprises and even our whole national economy. 【KeyWords】:SMEs(SmallandMedium-sizedEnterprises);Financing;Existingproblems;Sugg
