本文旨在探讨中小企业融资困难的根本原因以及针对困难的解决方法。以国内外的文献为基础进行中小企业融资困难理论逻辑梳理，认为信息不对称产生的信贷配给以及金融机构的贷款偏好是中小企业在信贷市场上融资困难的根本原因。然后从融资渠道的角度出发论述中小企业融资的困难的解决方法。最后根据我国经济发展的实际情况提出相应的政策建议。

This essay is intended to investigate the fundamental reasons why SME have the financing problem and the solutions proposed by economists based on theories and practice. In the first section, papers at home and aboard are demonstrated in the angle of logics, and hold the opinion that the credit rationing and debt preference are the reasons. Then, the solutions are proposed in the aspect of financing channels. Finally, the policy advices are proposed according to the finance system and economic development of China.