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小微企业在我国经济发展过程中起到了巨大的推动作用,是我国经济的重要组成部分。小微企业的发展在增加就业、经济增长、社会稳定、科技创新等方面起到了非常巨大的促进作用。企业的经营和发展离不开资金,纵观企业成长的历史,任何企业都不可能单纯地依赖于内部资金来满足企业成长所需的全部资金,因此,外部融资、负债经营不可避免。目前,小微企业在发展过程中的融资问题成了一大难题,造成这一现象的原因涉及到多方面因素,本文通过对小微企业融资难问题成因进行深入分析,提出加强小微企业信贷服务的途径和措施。
Small and micro enterprises have played a huge role in promoting the economic development in our country and are an important part of our economy. The development of small and micro enterprises has played a very huge role in promoting employment, economic growth, social stability and technological innovation. The operation and development of enterprises are inseparable from the capital. Looking at the history of enterprise growth, it is impossible for any enterprise to rely solely on internal funds to satisfy all the funds needed for the growth of an enterprise. Therefore, external financing and debt management are inevitable. At present, the financing problem of small and micro enterprises in the development process has become a major problem. The reasons for this phenomenon involve many factors. Through the in-depth analysis of the causes of the financing problems of small and micro enterprises, this paper proposes to strengthen the credit of small and micro enterprises Ways and means of service.