Due to the limitation of operation scale, management, and many other factors, the problems to finance have not been fundamentally resolved, and furthermore, the unpredictable attack of financial crisis increased the difficulty of SMEs＇ access to finance. It is the current important task for local and national gov- ernments to help SMEs get out of trouble quickly, and encourage them to deepen reform to improve them- selves constantly and grow gradually. Therefore, this paper tries to raise reasonable policy suggestions for the financing problem of SMEs as a good reference for their development by the analysis of financing situation of SMEs and further discussion on the financing problems of SMEs in the financial crisis.%由于受经营规模、管理方式等多方面条件的限制，中小企业“融资难”的问题一直没有得到根本性解决，金融危机的突袭更是加重了中小企业融资的难度。帮助中小企业迅速摆脱困境，鼓励其通过深化改革不断完善自我，并逐步发展壮大，是当前国家和地方政府的重要任务。论文通过分析中小企业的融资现状，进一步探讨金融危机下中小企业的融资困境，从而提出合理解决中小企业融资问题的政策建议，以期能为中小企业的良好发展提供借鉴。
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