融资难一直是制约中小企业发展的主要因素。尤其在全球金融危机形势下,中小企业融资难问题更加严重。中小企业融资难的原因是多方面的,既有政府、银行方面的,更有中小企业本身的。因此,要有效解决中小企业融资难问题,必须政府、银行和中小企业多方联合起来,在政策落实、财政投入、信贷担保、社会资本市场建设等方面进行金融创新,才能顺利渡过难关。 Financing difficulties have always been the main factor restricting the development of SMEs. Especially in the global financial crisis, the problem of financing for SMEs is even more serious. The reasons for the difficulty of SME financing are many, both the government, banks, more SMEs themselves. Therefore, in order to effectively solve the financing difficulty of SMEs, we must unite governments, banks and small and medium-sized enterprises together to carry through financial innovations in the areas of policy implementation, financial input, credit guarantee and social capital market construction, so that we can successfully weather the difficulties.