With the rapid development of China's economy, entrepreneurial enterprises have become an important part of the national economy, especially in solving employment and stimulating economic growth, playing an important role in the national economy and social life.

With the rapid development of China's economy, newly-built enterprises have become an important part of the national economy. In particular, it has played an important role in solving the unemployment problem and promoting economic growth, and occupies a decisive position in the national economy and social life.

Accordingly, the financing problem of start-up enterprises has become increasingly prominent, and financing difficulty has become the primary problem that hinders the healthy development of start-up enterprises.

Accordingly, the financing problem of enterprises has become more and more serious, and the financing difficulty has become the biggest problem that hinders the healthy development of new enterprises.

The financing difficulties are not solved, the start-up enterprises are short of funds, the turnover is ineffective, and the normal operation is difficult; Without solving the financing difficulty, it is difficult to realize the equipment renewal and technological innovation of start-ups; Without solving the financing problem, it will be difficult for start-ups to "go global" and participate in international competition, and it will be difficult for them to further develop in the global market.

If the problem of raising funds is not solved, the newly established enterprises will lack sufficient funds and flexibility in circulation, which will cause great difficulties in normal operation. If this problem is not solved, the equipment renewal and technological innovation of enterprises will be out of the question. If this problem is not solved, it will be impossible for enterprises to "go global", participate in international competition and get further development in the global market.

In this paper, the financing status of start-up enterprises and the causes of financing difficulties are deeply analyzed, and analyzed and discussed from the aspects of start-up enterprises themselves, commercial banks, society and government, and some countermeasures and suggestions are put forward to solve the financing difficulties and expensive financing of start-up enterprises by joint efforts of start-up enterprises, commercial banks and government departments, so as to build a good financing mechanism and environment for start-up enterprises.

This paper deeply analyzes the current situation of financing of newly-built enterprises and the reasons for the problems in financing. In addition, based on the analysis and discussion of factors such as start-ups, commercial banks, society and government, this paper puts forward ways and suggestions for enterprises, commercial banks and government to work together to solve the problem of smooth financing of enterprises, so as to create a good mechanism and environment for financing of start-ups.