摘要：近年來，我國的中小企業(yè)如雨后春筍般地涌現(xiàn)出來，中小企業(yè)也逐漸成為我國國民經(jīng)濟(jì)的重要組成部分之一。中小企業(yè)在緩解就業(yè)壓力、促進(jìn)地方經(jīng)濟(jì)發(fā)展、增加地方財(cái)政收入等方面起著越來越關(guān)鍵的作用。雖然中小企業(yè)具有良好的發(fā)展前景，但是由于我國的中小企業(yè)受自身原因和客觀條件的限制，在快速發(fā)展的過程中卻存在著很多瓶頸，其中融資難就是中小企業(yè)最主要的一個(gè)問題。因此，研究我國中小企業(yè)融資問題對推動我國經(jīng)濟(jì)發(fā)展具有重要的理論意義和現(xiàn)實(shí)指導(dǎo)意義。

　　　本文以中小企業(yè)融資為研究方向，首先，從中小企業(yè)融資渠道以及中小企業(yè)融資市場的供給與需求的角度來分析中小企業(yè)的融資現(xiàn)狀；其次，系統(tǒng)的從政府、銀行和企業(yè)三方面具體闡述中小企業(yè)融資難的原因；最后，以圣泉化工有限公司為例，就融資難問題進(jìn)行了分析，闡述了解決我國中小企業(yè)融資難問的解決途徑。

關(guān)鍵詞 中小企業(yè)；融資；對策

Abstract：Since the reform and opening up, China's small and medium-sized enterprises have mushroomed miraculously emerged, small and medium-sized enterprise also gradually become one of the important part of the national economy. Small and medium-sized enterprises in the adjustment of economic structure, increase employment opportunities, developing local economy, increase revenues are playing a more and more crucial role. Under the new economic environment, small and medium-sized enterprises are showing its value and function. Although small and medium-sized enterprises have good development prospects, but because our country small and medium-sized enterprise by their own reason and the limitation of objective conditions, but in the process of rapid development, there are many bottlenecks, small and medium-sized enterprise financing difficult is one of the main problems. Therefore, studies our country small and medium-sized enterprise financing problems for promoting China's economic development has an important theoretical significance and practical guiding significance.

　　　Based on the financing of small and medium-sized enterprises as the research direction, first of all, from small businesses financing supply and demand analysis of small and medium-sized enterprises from the view of enterprise financing present situation; Secondly, the system of three aspects from the government, Banks and companies specifically expounds the reasons of the financing difficulties of small and medium-sized enterprises; Finally, based on the spring chemical industry co., LTD., the financing difficult problem is analyzed, this paper expounds the solutions to solve the small and medium-sized enterprise financing difficult to ask.

Keywords small and medium-sized enterprise financing ways