【摘要】 中小企业是融资制度探索和创新的主要力量，然而在其融资发展过程中，始终面临着众多的融资问题。互联网金融的快速发展为中小企业提供了新的融资途径，让企业融资存在更多的灵活性，同时也给中小企业带来了严峻的挑战。为进一步提升中小企业市场竞争力，通过优化互联网金融体系、完善中小企业融资金融市场、提升企业治理能力和整体素质以及建立健全融资风险预警机制等措施，破解中小企业融资困境。更多还原

【Abstract】 Small and medium-sized enterprises are the main force in exploring and innovating financing systems, but they always face numerous financing problems in their financing development process. The rapid development of Internet finance has provided new financing channels for the enterprises, allowing them more flexibility in financing, while also posing serious challenges to them. To further enhance the market competitiveness of the enterprises and to solve the financing difficulties, countermeasures are proposed, such as optimizing the internet financial system, improving the financing market for small and medium-sized enterprises, enhancing corporate governance capabilities and overall quality, and establishing a sound financing risk warning mechanism.更多还原