摘要资金是困扰世界各国小企业的老大难题.资金问题是创办新企业的主要困难，也是影响企业进展的主要问题。资金就像是一辆汽车的发动机,企业这辆车要进行改造和重组,那就要受到发动机的影响，只有发动机给力，这辆汽车才会更好的行驶。英国著名作家狄更斯曾在《双城记》中留下一句名言：”这是最好的时代，也是最坏的时代。。.。.。”如今，这句话在国内中小企业身上，得到淋漓尽致的体现。一方面随着互联网+时代来临与经济进展模式转型，中小企业正迎来宽阔的进展空间;另一方面在中国经济增长速度持续放缓,全球经济表现乏力的双重压力下,不少传统的中小企业正面临需求减少、竞争日益激烈、劳动力成本上升等因素导致的企业的转型与改革的巨大压力。而中小企业又在国家经济结构中占据着不容忽视的地位，解决中小企业经营进展中面临的问题和困难就上升到了国家经济战略的高度。关键词:中小企业,融资现状，原因，解决对策Abstract Money is the main obstacle of starting a new enterprise and is also the main problem of influencing the development of the enterprise。 Money is like a car engine and the enterprise will be influenced by the engine in order to carry on the reform and reorganization since the car will be better if the engine is awesome. The famous English writer Charles Dicken had a famous saying in a tale of two cities :” this is the best time and is also the worst time …"Now， the sentence is proved perfectly in small and medium size enterprises of domestic nations。 On the one hand, as the Internet+era and economic development model transformation, the small and medium size enterprises are facing broad space for development。 On the other hand, under the double pressures of the continued slowdown in the speed of Chinese economic development and poor global economy, many traditional small and medium enterprises are facing the tremendous pressures of enterprises transformation and reform caused by reducing demand， increasing competition, rising labor cos...
