小微企业在创造就业机会、缓解就业压力、活跃市场经济以及促进社会发展等方面都有着巨大的作用,也已经成为推动我国国民经济发展的重要力量。然而,小微企业由于营业收入少、抵御风险能力差、财务信息混乱等原因,很难通过银行等金融机构获得有效贷款。针对小微企业目前存在的融资渠道较少、国家扶持政策不到位以及融资成本较高等问题进行讨论分析,以期从小微企业自身、政府支持、金融支持等方面提出相关的政策建议。 Small and micro enterprises have a huge role in creating employment opportunities, alleviating employment pressure, activating market economy and promoting social development. They have also become an important force in promoting the development of our national economy. However, small and micro enterprises are difficult to obtain effective loans through financial institutions such as banks due to their low operating income, poor ability to withstand risks and confusing financial information. In view of the existing small financing channels for small and micro enterprises, the state support policies are not in place and the financing costs are high and so on to discuss and analyze, with the view of the small and micro enterprises themselves, government support, financial support and other aspects of the proposed policy recommendations.