中小企业是我国企业中一支十分重要的组成部分,在促进国民经济发展,增加就业等方面发挥了十分重要的作用。然而,随着经济发展的不断深入,中小企业发展所面临的困难也日益凸显,融资难问题几乎成为所有中小企业的通病。整体来看,目前我国金融体系对中小企业的支持力度已经有了很大提升,但从中小企业的发展需要来看,其仍然存在的很大不足,而这些不足的产生与我国政府职能不到位、直接融资体系不完善、缺乏完善的法律体系以及民间融资成本较高等因素有着直接的关系。本文以重庆农村商业银行为例,讨论了目前中小企业在重庆农村商业银行申请金融服务时存在哪些困难,并针对这些困难提出了改进的对策和建议。 Small and medium-sized enterprises (SMEs) are a very important part of Chinese enterprises and have played an important role in promoting national economic development and employment. However, with the continuous deepening of economic development, the difficulties faced by small and medium-sized enterprises (SMEs) have also become increasingly prominent. The problem of financing difficulties has become almost a common problem for all SMEs. On the whole, the support for SMEs in China’s financial system has been greatly improved at present. However, due to the needs of the development of SMEs, there are still a lot of shortcomings. However, these deficiencies have not met the requirements of our government , The direct financing system is not perfect, the lack of a sound legal system and the higher cost of private financing and other factors have a direct relationship. This paper takes Chongqing Rural Commercial Bank as an example to discuss the difficulties that small and medium-sized enterprises apply when Chongqing Rural Commercial Bank applies for financial services at present, and puts forward some countermeasures and suggestions for these difficulties.