中小企业在我国国民经济体系中发挥着愈益重要的作用,但由于制度的缺失和滞后,中小企业在获取各种发展资源的同时仍受到诸多限制,其中融资难问题尤为突出。本文以福建省安溪县为例,描述县域中小企业信贷融资不足的现状,分析影响其信贷融资的内因和外因,并从地方政府、中央银行、金融机构和企业自身四个方面,提出相应的中小企业融资破题思路。 SMEs play an increasingly important role in the national economy of our country. However, due to the lack of systems and lagging behind, SMEs are still subject to many limitations in obtaining various resources for development. Among them, the problem of financing difficulties is particularly prominent. This article takes Anxi County, Fujian Province as an example to describe the current situation of insufficient credit financing for county SMEs, analyzes the internal and external factors that affect its credit financing, and proposes the corresponding small and medium sized enterprises from four aspects: local governments, central banks, financial institutions and enterprises themselves Business financing pondering ideas.