中小企业融资难问题一直是制约其发展的瓶颈。自金融危机以来,银行信贷更加严格、中小企业融资供需缺口增大、民间融资成本提高,这些使中小企业的融资环境更加恶劣。文章分析了中小企业融资难的内部及外部原因,并结合当前国家对中小企业融资的新形势,提出了缓解中小企业融资难的具体措施。 The problem of SME financing has always been the bottleneck restricting its development. Since the financial crisis, bank credit has become more stringent, the gap between supply and demand of financing for SMEs has increased, and the cost of private financing has been raised. These have made the financing environment for SMEs worse. This article analyzes the internal and external causes of SMEs financing difficulties, and puts forward some concrete measures to ease the financing difficulties of SMEs, combined with the current situation of SMEs financing in the country.