本文对目前我国中小企业融资的现状极其成因进行了分析,在讨论了影响中小企业融资内外因关系的基础上,着重探索了如何提高中小企业融资的核心问题。笔者提出如何建立适合中小企业特征的间接融资市场体系、制定对中小企业的优惠政策、建立和健全中小企业融资的社会化服务体系以及建立和健全中小企业融资制度安排。 Based on the discussion of the internal and external causes that affect the financing of SMEs, this article focuses on exploring how to improve the core issues of SMEs financing. The author proposes how to establish an indirect financing market system that is suitable for the characteristics of SMEs, formulate preferential policies for SMEs, establish and improve a socialized service system for SME financing, and establish and improve the financing system for SMEs.