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小微企业做为拉动一个国家经济重要力量,但由于本身原因和外部环境的影响,融资难成为制约其发展的主要因素,也日益成为社会关注的焦点。本文主要从小微企业自身、外部环境两个角度,对我国小微企业的融资现状、融资难的原因进行探究,并提出对策建议。力图通过多方面、多层次实践探索,为化解小微企业融资困境,促进经济健康稳定发展,探索新的可行路径。
Small and micro enterprises are important forces driving a nation’s economy. However, due to their own reasons and the external environment, financing has become a major factor restricting their development and has increasingly become the focus of attention of the society. This article mainly studies the financing status of small and micro-sized enterprises in our country and the reasons of financing difficulties from the perspectives of small and micro-enterprises themselves and the external environment, and puts forward countermeasures and suggestions. Through various aspects and practices at various levels, it tries hard to solve the financing dilemma of small and micro enterprises, promote the healthy and stable economic development, and explore new feasible ways.