宁波以发达的民营经济享誉全国,宁波的小微企业活跃在宁波经济领域的方方面面,为推动宁波经济高速发展做出了显著的贡献。在全球性经济衰退和金融危机之后,小微企业的融资环境变得更加艰难,小微企业在融资方面存在较大的问题。文章从内因和外因两个方面入手,分析了出现问题的原因,并提出了相应的对策与建议。 Ningbo enjoys a prestigious reputation in the developed private economy. Ningbo’s small and micro enterprises are active in all aspects of Ningbo’s economy and have made significant contributions to the rapid economic development of Ningbo. After the global economic recession and the financial crisis, the financing environment for small and micro enterprises has become more difficult. Small and micro enterprises have major problems in financing. This article starts from the internal and external causes, analyzes the causes of the problems and puts forward corresponding countermeasures and suggestions.