本文以中小企业作为立足点和视角,从企业内部及外部环境两个方面对当前中小企业融资难存在的问题及原因进行了分析,并在此基础上提出了解决中小企业融资难要建立以制度创新为主的中小企业融资体系、中小企业融资服务体系、充分发挥政府的作用,建立和完善政府对中小企业融资直接参与以及间接扶持政策、构建比较完善的中小企业信用体系、不断提高中小企业自身融资水平等措施。 Based on SMEs as a foothold and perspective, this paper analyzes the existing problems and reasons of current SME financing from both internal and external aspects of the enterprise, and on this basis proposes that it is difficult to establish a system of financing for SMEs Innovation-oriented SME financing system, SME financing service system, give full play to the role of government, establish and improve the government’s direct participation in SME financing and indirect support policies, build a relatively perfect SME credit system, and constantly improve their own SMEs Financing levels and other measures.