中文摘要：

利用江苏省13个地级市的中小微企业调研数据,分析了中小微企业融资现状。总体上,中小微企业融资难、融资贵现象依然突出。从结构上看,不同类型企业的融资环境存在差异,企业规模特征、行业特征、产能过剩都会影响企业融资环境,并存在金融资源配置扭曲。金融供给侧方面的改革滞后是造成中小微企业融资困境最突出、最根本原因。因此,应进一步从金融供给侧角度完善金融机构、优化融资体系、平衡金融供需、降低金融供给成本,进而改善中小微企业融资环境,激发经济增长内生动力和活力。

英文摘要：

Based on survey data from 13 prefecture-level cities in Jiangsu province, the analysis shows difficulties and high cost within the current financing situation of medium, small and micro enterprises. The characteristics of business scale, industry and current overcapacity affect the financing environment of enterprises. Financial supply side is the most prominent and fundamental cause of financing dilemma. Therefore, from the perspective of financial supply front, it is necessary to enrich financial institutions and optimize financing structure system.