摘要:本文結(jié)合目前復(fù)雜多變的經(jīng)濟(jì)金融形勢(shì)，以及經(jīng)濟(jì)轉(zhuǎn)型過(guò)程中政府、中小企業(yè)、金融機(jī)構(gòu)、中介及擔(dān)保公司等不同主體在體制改革、職能轉(zhuǎn)換、市場(chǎng)定位、價(jià)值取向、經(jīng)營(yíng)管理中承擔(dān)的責(zé)任、義務(wù)和由此引起的共同訴求和矛盾，采用了實(shí)證分析與比較研究方法，運(yùn)用經(jīng)濟(jì)學(xué)的基本原理進(jìn)行分析。正文分為三章，第一章主要闡述了我國(guó)中小企業(yè)融資困境的現(xiàn)狀，第二章從中小企業(yè)內(nèi)部、外部等方面著重分析融資困境的原因，第三章針對(duì)這些原因提出了解決中小企業(yè)融資困境的對(duì)策。最后，對(duì)本文所研究?jī)?nèi)容進(jìn)行總結(jié)。

關(guān)鍵字：中小企業(yè)； 融資難；原因；對(duì)策

Abstract:This article based on the complex and changeable situation of the economy analyzed the obligations and duties of the government, the SMEs and the financial agent. By using the typically examples and basing on the Economics, it analyses the reason of the difficulty of financing of the SMEs.  This total of three chapters, the first chapter describes the reason of the difficulty of financing of the SMEs. The second chapter analysis of financing of the reasons for the plight of SMEs from the internal and external etc of SMEs financing. For these reasons the third chapter proposed the measures to solve the plight of SMEs financing. Finally, a chapter of this paper summarize the contents of the study.

KEY WORDS：SMEs; Financing difficulty; reasons; countermeasures