Although the containment of the COVID-19 pandemic has achieved a critical victory in China since 2020, it has undeniably brought a huge impact on the economy. Especially for the small and medium-sized enterprises (SMEs) located at the end of the industrial chain, whose comprehensive strength is weak, they are generally facing severe survival challenges. Under the complex and severe situation, a financing bailout can not solve the fundamental problem, but it is an effective way to alleviate the urgent needs of the SMEs. This paper systematically reviews the impact of the pandemic on the SMEs’ financing, the limitations of the SMEs’ financing channels, the problems of the SMEs exposed by “financing difficulties” during the pandemic, and how to promote financing and help the SMEs strengthen and expand.
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