经济新常态下,小微企业“融资难、融资贵”问题也出现了新特征。本文以漳州市为例,研究新常态背景下小微企业融资问题,揭示小微企业融资难、融资贵的原因,提出破解小微企业融资效率问题的对策建议。 Under the new economic normal, new characteristics have emerged in the issue of “financing difficulties and high financing costs” for small and micro enterprises. This paper takes Zhangzhou City as an example to study the financing problems of small and micro enterprises under the new normal background, to reveal the reasons why small and micro enterprises are financing and financing expensive, and to put forward the countermeasures and suggestions to solve the financing efficiency of small and micro enterprises.