融资难作为中小企业的沉疴,严重制约了中小企业的发展。这既有银行信贷、担保公司门槛高、直接融资渠道狭窄等多方面的因素,其背后还有更深层次的原因。本文旨在探讨中小企业融资困难的根本原因,并尝试从宏观方面给出解决对策。 Difficulties in financing as a sink for SMEs have seriously hampered the development of SMEs. This is not only the bank credit, the high threshold of guarantee companies, the direct financing channels and other factors, there are deeper reasons behind. This article aims to explore the root causes of SME financing difficulties, and try to give solutions from a macro perspective.