小微企业是我国企业的重要组成部分,但融资难始终是困扰小微企业生存和发展的重要不足之一。近年来,在各级政府和银监部门政策的引导下,小微企业融资难问题逐步得到了好转。但由于小微企业抗风险能力差、大中银行金融支持缺乏可持续性,以及主要为小微企业融资的村镇银行等中小银行数量和信贷资源有限等多方面因素的存在,小微企业融资难问题 Small and micro enterprises are an important part of Chinese enterprises, but financing difficulties are always one of the important problems that plague small and micro enterprises to survive and develop. In recent years, under the guidance of the policies of various levels of government and banking supervision departments, the financing difficulty of small and micro enterprises has been gradually improved. However, the small and micro enterprises have difficulties in financing their loans, the lack of sustainability of financial support by Dazhong Bank and the existence of small and medium-sized banks, such as village and town banks, which mainly finance small and micro enterprises, and limited credit resources. problem