随着我国经济市场化进程的加快,中小企业融资难问题的已成为制约中小企业生存和发展的主要障碍。现阶段中小企业融资存在的问题是内源融资难和外源融资难,找到问题的原因是解决问题的关键。本文通过系统的分析并给出相关建议,以推动中小企业的发展,为金融经济的理论研究做出贡献。 With the acceleration of marketization of economy in our country, the financing difficulties of SMEs have become the main obstacle to the survival and development of SMEs. The problems existing in the financing of SMEs at this stage are the difficulties of internal financing and external financing. The reason for finding the problems is the key to solving the problems. This article through the system analysis and gives the related suggestion, in order to promote the development of the small and medium-sized enterprise, contributes to the theory research of financial economy.