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小微企业是国民经济的重要组成部分,在经济社会发展中具有大企业无法替代的特殊的战略地位。由于企业自身和我国经济体制等多方面的原因,致使我国小微企业普遍存在的融资难的问题,融资难造成小微企业融资方式单一,融资渠道狭隘,融资结构存在许多缺陷,严重制约了我国小微企业的发展速度。本文从多个维度对分析小微企业贷款融资难原因,并根据我国实际情况,从小微企业自身和外部环境两方面,提出解决小微企业融资难的办法。
Small and micro enterprises are an important part of the national economy. They have special strategic status that cannot be replaced by large companies in economic and social development. Due to various reasons, such as the enterprise itself and China’s economic system, the difficulty of financing is widespread in China’s small and micro enterprises. Financing difficulties result in a single financing method for small and micro enterprises, narrow financing channels, and many flaws in the financing structure, which seriously restrict our country. The speed of development of small and micro enterprises. This paper analyzes the financing difficulties of small and micro enterprises from multiple dimensions, and according to the actual situation in China, proposes solutions to the financing difficulties of small and micro enterprises from the aspects of small and micro enterprises themselves and the external environment.