中小企业融资问题是世界性的难题,2007年常州市被江苏省列为以改善中小企业金融服务为主要内容的金融改革创新试点城市。本文以常州地区为依托,对六十年来中小企业发展及融资历程进行回顾,指出当前制约中小企业融资的三大难点,分别从银行和企业角度实证分析了中小企业的融资环境,进而提出促进中小企业融资发展的相关对策建议。 SME financing problem is a worldwide problem. In 2007, Changzhou City was listed as a pilot city of financial reform in Jiangsu Province by improving its financial services for SMEs. This article, based on Changzhou, reviews the development and financing of SMEs over the past 60 years and points out the three major difficulties that restrict the financing of SMEs. The paper analyzes the financing environment of SMEs from the perspective of banks and enterprises respectively, Relevant countermeasures and suggestions on the development of enterprise financing.