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随着社会经济体制的改革,越来越多扶持小微企业发展的政府政策相继出台,市场的多元化发展也给了小微企业众多发展的机遇,在国家和市场的双重扶持下,小微企业在近年中取得了良好的发展。小微企业的发展是一个从弱到强、从小到大的渐变过程,在这一个过程当中,除去对自身的管理和规划要正确外,最主要的问题就是对资金的需求比较迫切,银行作为重要的金融机构,这就显现出银行对其发展有着至关重要的作用。本文通过对国家政策、银行和企业自身的问题、问题的对策等几个方面来对小微企业的发展进行探讨,以期能有助于我国小微企的健康、快速发展。
With the reform of the social and economic system, more and more government policies to support the development of small and micro enterprises have been introduced one after another. The diversified development of the market has given many opportunities for the development of small and micro enterprises. With the dual support of the state and the market, small and micro enterprises Enterprises in recent years has made good progress. The development of small and micro enterprises is a gradual change from weakness to strength and from small to large. In this process, the most important issue except the management and planning for itself is that the demand for funds is more urgent. As a Important financial institutions, which shows that banks play a crucial role in their development. In this paper, the development of small and micro enterprises is discussed in terms of national policies, banks and enterprises’ own problems and countermeasures of the problems, with a view to helping the small and micro enterprises in our country develop healthily and rapidly.