中小企业是我国经济社会发展的重要组成部分,中小企业的发展是一个国家持续性竞争优势的重要体现,但中小企业普遍存在着融资困难的问题。本文结合我国中小企业融资现状,分析中小企业融资约束因素,借鉴国外先进经验,提出缓解融资难的对策。 Small and medium-sized enterprises are an important part of China’s economic and social development. The development of small and medium-sized enterprises is an important manifestation of the sustainable competitive advantage of a country. However, the problems of financing difficulties are common to small and medium-sized enterprises. Based on the current financing situation of SMEs in our country, this paper analyzes the constraints of financing for SMEs and draws lessons from advanced foreign experience and puts forward countermeasures to alleviate financing difficulties.