中小企业数量庞大,肩负着增加就业,扩大出口,促进科技进步的重任。中小企业在成长的过程中,也是一批企业家创新、成长、发展的过程。国内的融资体系中:间接融资比例高,而银行对于中小企业存在很大程度的排斥;直接融资门槛高,中小企业很难进入。在成我国中小企业发展的严重障碍。本文旨在阐述如何解决我国中小企业的融资难的状况。为我国中小企业的融资提供一些政策思路。 The number of SMEs is huge, shouldering the task of increasing employment, expanding exports and promoting scientific and technological progress. Small and medium enterprises in the process of growth, but also a number of entrepreneurial innovation, growth and development process. In domestic financing system, the proportion of indirect financing is high, while banks have a large degree of exclusion for SMEs; the threshold for direct financing is high, and it is very hard for SMEs to enter. In our country as a serious obstacle to the development of SMEs. This article aims to explain how to solve the financing difficulties of SMEs in our country. Provide some policy ideas for the financing of SMEs in our country.