中小企业融资难是由中小企业的自身条件不足和融资环境的不完善所造成的。在我国民营中小企业进入增长发展阶段,急需通过外部融资发展壮大的今天,如何改善融资环境,扩宽融资渠道,促进其健康发展已经成为当务之急。中小企业融资存在的问题目前中小企业已成为经济发展的重要支撑动力和主要创新力量,特别是在满足居民多样化和个性化需求,实现社会化专业协作进行科技创新,增加社会就业等方面发挥着日益突出的作用。据统计,目前全国中小企业已超过1000万家,占全国企业总数的99.7%,中小企业工业总产值和利税分别占全国的70%和40%左右,在流通领域中,中小企业占全国零售网点的90%以上,提供 SMEs financing difficulties are caused by the lack of SMEs own conditions and the financing environment imperfections. Nowadays, when the private small and medium-sized enterprises of our country enter the stage of growth and development urgently need to develop and grow through external financing, how to improve the financing environment, expand the financing channels and promote the healthy development have become urgent tasks. SMEs financing problems At present, SMEs have become an important support for economic development and the main driving force for innovation, especially in meeting the diverse needs of residents and individual needs to achieve social professional collaboration to carry out scientific and technological innovation, increase social employment and so on Increasingly prominent role. According to statistics, at present, the number of SMEs in the country has exceeded 10 million, accounting for 99.7% of the total number of enterprises in the country. The gross industrial output value and profits and taxes of SMEs account for 70% and 40% of the national total respectively. In the circulation field, SMEs account for the national retail outlets More than 90% provided