【正文】 e differences between countries and also between SMEs and large enterprises. Knowing the difficulties in SMEs financing is essential for policy makers in order to design and implement appropriate measures, which will help to improve the access to financing for these enterprises. Thus, another issue addressed, synthetically, in this paper aims the measures taken by public authorities in order to support the access to financing for SMEs. Key words: Small and Medium Enterprises, access to finance, financing constraints, bank financing, support measures JEL code classification: G30, G32, O16 1. Introduction In all countries, small and medium enterprises are a significant source of economic growth and jobs creation. Furthermore, these enterprises, through their dynamism and flexibility, are an engine of innovation and growth. Based on these considerations, it is easy to understand the crucial importance that the easy access to funding has, taking into account that it can support the creation of new businesses, the innovation process as well as the growth and the development of the existing businesses, which in turn boost the economic growth of a country. The paper is structured as follows: the first part contains the introduction remarks regarding theimportance and relevance of the approached theme。 the third part highlights the major difficulties in SMEs financing, and the fourth part of the paper reflects, mainly, the difficulties reported by the entrepreneurs in dealing with banks and the measures that need to be taken in order to improve the access to financing for these enterprises. The study ends with conclusions. The research methodology used in this paper starts with a literature review in order to highlight the importance of the subject addressed in our research. The analysis conducted in this paper is based on data and statistics provided mainly by the World Bank surveys, by certain empirical studies and by the National Council of Small and Medium Sized Private Enterprises in Romania. Based on the methodology used, the paper indicates the difficulties in SMEs financing and the crucial importance of enhancing the public authorities concerns regarding their alleviation, especially by adopting measures focused on increasing financial development. The limited availability and even lack of statistical data regarding the SMEs financing situation from various countries, including Romania, impose certain limits to the researches in the field, which can be overe as policy makers realize the vital importance of developing and monitoring specific indicators regarding the financing of this type of enterprises. 2. Literature review regarding the access to finance for SMEs The access to finance for SMEs represents a topic of great interest for the academic literature, as witnessed by the large number of studies addressing such a problem. Numerous studies based on various surveys highlight that access to finance is one of the most important obstacles in the way of enterprises’ growth and development, especially in the case of small and medium enterprises. The study realised by Beck, DemirgucKunt, Laeven and Maksimovic (2020) reflects, based on a survey that has included firms from 80 countries, the fundamental factors to which depends the enterprises’ access to finance. Thus, the study highlights the relationship between the access to finance for enterprises and their characteristics, such as age, size and propriety structure. From this perspective, the authors find that young firms of small size as well as national ones face greater obstacles when they seek to obtain financial resources. The study also highlights the relationship between the degree of economic and financial development of a country (expressed through the degree of financial intermediation, the level of capital market development, the efficiency of the legal framework, the GDP per capita) and the access to finance for enterprises. From this point of view, the authors demonstrate that in the financial developed countries it can be accounted a decrease of the difficulties that the firms face when they try to obtain financing resources. Furthermore, the study concludes that the institutional development is the most important feature that explains the differences between countries in terms of financing obstacles faced by enterprises. Beck, Demirg252。Kunt and Maksimovic (2020) point based on a survey realised on firms from 54 countries that small and mediumsized enterprises are faced with financial and legal constraints and corruption issues in a much greater degre