中小企业融资难主要表现为中小企业融资能力低下。对融资能力低下的主要原因理解的差异导致不同学者对如何提升中小企业融资能力持有不同观点,一种观点认为中小企业融资难主要是由于中小企业自身不足造成的,包括自身积累能力差、治理机制不健全、管理落后、信用缺失、倒闭率高 SME financing difficulties mainly for SME financing ability is low. Differences in understandings of the main reasons for the low financing ability lead different scholars to hold different viewpoints on how to enhance the financing capability of SMEs. One view is that financing difficulties of SMEs are mainly caused by their own shortcomings, including poor self-accumulation, Imperfect mechanisms, poor management, lack of credit and high closures