我国中小企业融资渠道虽有银行贷款、股票市场、企业债券和非正规融资四个方面,但由于中小企业经营能力差,抗风险能力弱等多种原因,造成这几个渠道都不顺畅,致使中小企业出现融资困难;但是,法律制度上的不完善是产生问题的关键.基于国外和相关地区的经验,可考虑从转变立法理念、健全中小企业法律体系、清理不合时宜的规定、增加操作性等方面完善我国中小企业融资法律制度.“,”Chinese small and medium-sized enterprise financing channel has the bank loan,the Stock market and the enterprise bond,non-regular financing.Viability of the SMEs is poor,the weak anti-risk capability and other reasons,several channels are not smooth,leading to their financing difficulties arise.The imperfect legal system is the key.Based on overseas and related local experience,we should transform the legislative idea,cleans up the unreasonable stipulation,and increases operationally.