浅析中小企业融资难的原因与对策

中小企业在我国的经济和社会发展中发挥着巨大作用，但其融资难也是一个亟待解决的问题。中小企业无论在内源融资还是外源融资中都面临着种种制约，究其原因，有自身管理的问题，也与政府、资本市场、金融机构和信用担保体系等外部因素有关。只有国家、金融机构、企业和社会各界携手努力，才能有效地解决中小企业融资难的问题。

Reasons and Strategies on the Financing Dilemma of SMEs

Small and medium-sized enterprises （SMEs） are playing a very important role in the economy and social development in a country. However, their financing dilemma is also an emergency. They are faced with various con- straints no matter in the endogenous financing or exogenous financing, which can be due to not only their own man- agement problems, but also some external factors such as the government, the capital market, financial institutions, the credit guarantee system and so on. Only when the country, financial institutions, enterprises and all walks of the society work together can we solve the financing problem of SMEs effectively.