目前,占企业总数99%的中小企业对我们国家GDP贡献超过了60%,税收超过了50%,提供了70%的进出口贸易和80%的就业岗位。然而融资难、贷款难已经成为制约中小企业发展的瓶颈,融资难问题严重制约了我国中小企业的发展。本文通过总结目前我国中小企业融资过程中存在的问题,分析问题背后的原因,进而根据这些原因探讨相应的应对策略。 At present, 99% of the total number of SMEs contribute more than 60% of our national GDP, tax revenue exceeds 50%, providing 70% of import and export trade and 80% of jobs. However, financing difficulties and loan difficulties have become the bottlenecks restricting the development of SMEs. Financing problems have severely restricted the development of SMEs in our country. This article summarizes the existing problems in the financing process of SMEs in our country, analyzes the reasons behind the problems, and then discusses the corresponding coping strategies based on these reasons.