广义的小微金融包括向小型和微型企业及中低收入阶层提供小额度的可持续的金融产品和服务的活动。本期涉及的小微金融主要指金融企业向比中小企业规模更小的小型及微型企业,小型民营公司、个人合伙企业以及个体工商户等经营单位或组织提供的金融产品和服务。一方面,社会对小微企业在国民经济发挥的生力军作用从不质疑,小微企业在稳定增长、扩大就业、促进创新、繁荣市场和满足人民群众需 Generalized microfinance includes activities that provide small-scale, sustainable financial products and services to small and micro-sized businesses and middle- and lower-income groups. In this issue, microfinance mainly refers to financial products and services provided by financial enterprises to operating units or organizations such as small and micro-enterprises smaller than SMEs, small private-owned companies, individual partnerships and individual industrial and commercial households. On the one hand, the society has never questioned the role played by the small and micro enterprises in the national economy. The small and micro enterprises are steadily growing, expanding their employment, promoting innovation, boosting markets and meeting the needs of the people