小微企业在我国经济发展与现代化建设中都发挥了至关重要的作用,但融资困难一直是阻碍小微企业发展的重要因素,导致小微企业的发展速度与潜力都受到了巨大的影响。如何有效解决小微企业的融资困境就成为小微企业未来发展的关键所在。鉴于此,笔者总结自身在西藏自治区多年的工作经验,主要从银行层面与互联网金融层面提出几点小微企业的融资建议,仅供参考与借鉴。 Small and micro enterprises play a crucial role in the economic development and modernization of our country. However, financing difficulties have always been an important factor hindering the development of small and micro enterprises. As a result, the development speed and potential of small and micro enterprises have been greatly affected. How to effectively solve the financing dilemma of small and micro enterprises has become the key to the future development of small and micro enterprises. In view of this, the author summarizes his years of work experience in the Tibet Autonomous Region, mainly from the bank level and the Internet financial level proposed a few small and micro enterprises financing proposals, for reference and reference.