目前，“钱荒”是制约中小企业发展的瓶颈。造成这一问题的原因主要是：中小企业金融服务体系存在缺陷，自身规模小、风险大、信用度低，以及政府政策扶持力度比较薄弱等。因此，要改变中小企业的融资困境，应从金融服务体系、政府政策扶持和自身经营管理水平三方面入手。%At present, "money shortage" is a bottleneck restricting the development of SMEs. The cause of this problem is the financial service system for small and medium enterprises defects, its small size, high risk, low credit and the government's policy support's weak etc.. Therefore, the financing difficulties of small and medium-sized enterprises to change, from the financial service system, government policy support and its own management level in three aspects.
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