中小企业推动了社会就业、经济增长,为稳定经济发展起到了重要的作用,然而融资问题一直制约着中小企业身前发展。在不景气的经济背景下,融资问题更是凸显,并受到了社会各界的关注。分析中小企业融资难的原因,提出破解中小企业融资难的途径,深化中小企业与银行信贷合作,创新现有业务,提升自身实力,使中小企业不受阻碍向前发展。 SMEs have promoted social employment and economic growth and played an important role in stabilizing economic development. However, financing has always restricted the development of SMEs in front of them. In the downturn of the economic context, the financing issue is even more prominent, and has been the concern of all sectors of society. This paper analyzes the reasons for the difficulty of SMEs financing, puts forward ways to solve the financing difficulties of SMEs, deepens credit cooperation between SMEs and banks, innovates existing businesses and enhances its own strength so that SMEs can develop without hindrance.