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现如今,中国的小微企业发展十分迅速,但受制于小微企业自身现状和宏观金融环境的局限性,融资难和融资成本高已成为限制小微企业特别是县域小微企业发展的重要因素,本文就县域内小微企业融资难和融资成本高的现状、形成当前现状的主要原因做了分析,再着重从银行的角度提出缓解县域小微企业融资难的途径,即加强小微企业自身建设、政府支持、建立良好的银行信贷司法环境、银行应制定务实有效的针对小微企业授信政策。
Nowadays, the development of small and micro enterprises in China is very rapid. However, subject to the current situation of the small and micro enterprises themselves and the limitations of the macro-financial environment, financing difficulties and high financing costs have become important factors that limit the development of small and micro enterprises, especially small and micro enterprises in the county This article analyzes the current situation of small and micro enterprise financing difficulty and high financing costs in counties, and analyzes the main reasons for the current situation. Then it puts forward the ways of alleviating the financing difficulty of small and micro enterprises in the county from the point of view of banks, that is, Construction and government support to establish a sound legal environment for bank credit, banks should formulate pragmatic and effective credit policies for small and micro enterprises.