中小企业是我国国民经济中的一支重要力量,当前中小企业发展面临的最突出问题是融资的困难。构建我国中小企业融资体系,既是促进企业发展的政策需要,也是我国经济发展的内在要求。本文根据我国目前中小企业融资现状及存在的问题,试图为构建我国中小企业有效的金融支持体系提出政策性建议,以促进我国经济的发展。 Small and medium-sized enterprises are an important force in our country’s national economy. The most prominent problem facing the development of small and medium-sized enterprises at present is the difficulty of financing. Building China’s SME financing system is not only the policy needs to promote the development of enterprises, but also the inherent requirement of our country’s economic development. Based on the current situation and existing problems of SME financing in our country, this paper attempts to put forward policy recommendations for building an effective financial support system for SMEs in our country so as to promote the economic development of our country.