中小企业融资难、融资贵是各国普遍面临的一个问题。近年来我国出台了一系列改善中小企业融资环境的政策，但中小企业融资渠道有限和融资成本高的问题并未得到根本解决。中小企业风险溢价高、缺乏有效的抵押品，以及我国以国有大型商业银行为主导的金融体系，是造成中小企业融资难、融资贵的主要原因。为支持中小企业融资，有效降低中小企业融资成本，要大力支持发展中小金融机构，建立健全中小企业政策性银行体系，完善融资担保机构的功能，积极引入投贷联动融资机制，推进企业信用体系建设和发挥协会商会等中介组织的作用。
It is a worldwide problem that financing of small and medium-sized enterprises （SMEs） is difficult and expensive.China has introduced several measures to improve financing environment for SMEs，but financing channels are still limited and financing cost is still high.High risk premium，lack of effective collaterals，and big state-owned banks dominated financial system are main causes.To support SMEs financing and reduce their financing cost，we need to enhance the development of small and medium-sized financial institutions，establish sound policy bank system for SMEs，improve the function of bounding companies，introduce investment-and-loan linkage mechanism，establish sound enterprises credit system，and take full advantages of different industry associations in support SMEs financing.
