我国中小企业在国民经济和社会成长中发挥着越来越重要、不可替代的作用。徐州地处江苏北部，苏鲁豫皖四省交界，淮海经济圈的中心城市，经济总量和发展属江苏欠发达地区。近几年苏北地区的中小企业发展迅速崛起，经济增长速度超过苏南地区，在地区经济总量中的地位越来越重要，但融资难的问题已经对徐州中小企业的进一步发展构成了瓶颈制约。 本文运用数据统计法对徐州市中小企业的2011-2016年发展情况进行了分析发现，徐州市各行各业发展速度迅速，企业数量和从事人员数量均不断增加，截止2017年底，徐州市中小企业数约16万家，2011-2016年近5年企业数量增加了约2倍。行业企业数量最多的为批发和零售业，从事中小企业行业人员最多的为制造业，从业人员数量增幅速度来看，科学研究和技术服务业增幅速度最快，近5年来从业人员增加了近3倍。 根据徐州市中小企业融资难问题，设计并编制了徐州市中小企业融资难致因调查问卷，调查问卷根据被调研对象的文化程度和所从事行业性质编制了2种类型：中小企业类和银行类。通过对调查问卷进行统计，分别分析了被调查对象的基本信息以及徐州市中小企业融资难的四种主要致因：中小企业自身因素、金融机构方面因素、政府方面因素、社会融资服务方面因素。 最后提出了针对于徐州市解决中小企业融资难的建议，主要包括以下几个方面：中小企业加强自身建设、银行加大融资力度、加强融资平台建设、完善企业担保体系、拓展融资新渠道、政府加大优惠扶持力度等。

Today small and medium enterprises have playing a more and more important and irreplaceable role in China’s national economy and society development. Xuzhou, a center city of Huaihai Economic Zone, located in the northern of Jiangsu, on the junction of Su Lu Yu Wan, is an undeveloped region in Jiangsu for its total economic output and development. However in recent years, small and medium enterprises have risen rapidly in north Jiangsu, the rate of its economic growth is better than south Jiangsu, thus it has become more and more important in regional economic aggregate. Financing difficulties have become a “bottleneck constrain” for the further development of China’s small and medium enterprises. This paper uses data statistics method to analyze the development of small and medium-sized enterprises in Xuzhou from 2011 to 2016. It is found that the various industries in Xuzhou are developing rapidly, and the number of enterprises and the number of employees are increasing. By the end of 2017, the number of small and medium enterprises in Xuzhou City is about 160,000 companies, which has increased by about 2 times in the past five years from 2011 to 2016. The largest number of industrial enterprises is the wholesale and retail industry, and the most engaged in the SME industry is the manufacturing industry. From the speed of increase in the number of employees, the growth rate of scientific research and technical service industry is the fastest in the past five years, which has increased by nearly 3 times in number of employees. According to the financing difficulties of small and medium-sized enterprises in Xuzhou City, the questionnaires for the financing difficulties of small and medium-sized enterprises in Xuzhou City were designed and compiled. The questionnaires were compiled according to the educational level of the respondents and the nature of the industries, and the two types are in SMEs and banks. Through the statistics of the questionnaires, the basic information of the respondents and the four main causes of the financing difficulties of SMEs in Xuzhou City were analyzed, which were SMEs' own factors, financial institutions, government factors, and social financing services. Finally, the paper puts forward some suggestions for solving the financing difficulties of SMEs in Xuzhou City, including the following aspects: strengthening the construction of enterprises themselves, increasing financing support for commercial banks, improving financing financial institutions, improving corporate guarantee systems, and expanding new financing channels, increasing preferential support and so on.