小微企业是推动我国经济发展的重要力量,而由于其资本规模以及市场占有率与大中型企业存在较大的差距,因此在融资方面出现了许多的困难,影响了企业的长远健康发展。本文对小微企业融资的难点进行了分析,并提出了相应的融资优化路径,希望能够为小微企业的发展提供一些帮助。 Small and micro enterprises are an important force to promote China’s economic development. However, due to the large gap between their capital scale and market share and large and medium-sized enterprises, many difficulties have arisen in financing and have affected the long-term healthy development of enterprises. This article analyzes the difficulties of small and micro enterprise financing, and puts forward corresponding financing optimization path, hoping to provide some help for the development of small and micro enterprises.