近年来，随着我国经济的发展，中小企业融资状况已成为社会各界关注的热点。目前我国中小金融机构对中小企业信贷投入较低，中小企业融资面临多方面的困难和障碍。因此，本文认为，一方面充分发挥中小金融机构对中小企业的融资服务，中小金融机构本身应把握好自己的合理定位，努力探索适合中小企业资金需求的信贷方式，另一方面，中小企业的融资也离不开中小金融机构的信贷支持。此外，还应建立支持中小企业发展的政策法律体系，规范和完善民间借贷，采取灵活方式，从根本上改善中小企业融资问题。

In recent years, with the development of Chinese economy, the financing status of medium-sized and small enterprises has been the focus of general concern by all circles of the society. At present, those medium and small enterprises are facing various difficulties and obstacles in financing since they have been provided with lower credit by relevant finance organizations. Therefore, I have the following ideas in this article. On the one hand, the financing service provided by the medium and small finance organizations to those enterprises should be fully brought into play. To the finance organizations, they should position themselves reasonably and make efforts to explore the appropriated way of credit for meeting the capital demand of those relevant enterprises. On the other hand, the financing of medium and small enterprises must be supported by the credit provided by the finance organizations. Besides, we should also establish the policy and law systems which sustain the development of medium and small enterprises, standardize and make nongovernmental credit and adopt flexible measures to radically improve the financing of medium and small enterprises.