Firstly, two common conditions that most of SMEs are facing: the poor ability of financing lies in themselves, and banks are not willing to offer a loan. Through those, elaborating the difficulty in financing as the realistic problem for SMEs. 本文首先概括出自身融资能力差和银行不愿提供信贷这两个中小企业融资所面临的状态,阐述了中小企业信贷融资难这一现实问题。