摘要:本文針對(duì)我國(guó)中小企業(yè)融資難的問題，指出中小企業(yè)內(nèi)部的問題，銀行對(duì)中小企業(yè)“歧視”的問題，政府的不作為問題是我國(guó)當(dāng)前中小企業(yè)融資障礙的主要原因，提出可以通過中小企業(yè)自身的改革、政府的政策幫助、銀行的政策放寬，國(guó)外的成功事例借鑒等途徑，以便從根本突破中小企業(yè)融資難的問題。

關(guān)鍵詞：中小企業(yè)，融資，障礙，對(duì)策

Abstract:This article in view of our country small and medium-sized enterprise to finance the difficult question, pointed out that the small and medium-sized enterprise internal problems, the bank to the small and medium-sized enterprise" discrimination" problem, the government as the issue of financing of SMEs in China is the main obstacle of reason, proposes the reform of oneself of medium and small businesses, government policy, banking policy to help relax, international success stories from pathways, to a fundamental breakthrough in financing of small and middle enterprises.

Keywords: small and medium-sized enterprises, financing, obstacle, countermeasures

　　　中小企業(yè)的發(fā)展是我國(guó)經(jīng)濟(jì)發(fā)展的大勢(shì)所趨，是我國(guó)與世界經(jīng)濟(jì)接軌的必經(jīng)之路，中小企業(yè)必須開拓視野，所以中小企業(yè)的發(fā)展不容忽略。通過這次的論文研究，找到了可以改善中小企業(yè)融資難的渠道：

（1）中小企業(yè)通過改善內(nèi)部管理和誠(chéng)信的問題可以緩解中小企業(yè)融資障礙的問題。

（2）政府通過制度的改變可以改善中小企業(yè)的信用保證問題。

（3）銀行通過對(duì)中小企業(yè)融資政策放寬的改革可以改善中小企業(yè)融資的難的問題