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目前,我国小微企业融资难成为其发展的重要障碍,国家虽然出台很多针对性政策,但是效果不理想,主要原因是小微企业存在的生产经营不规范、信誉低、缺乏担保等主客观因素制约其融资能力。为了解决小微企业融资难问题,结合调研结果和工作实践,文章对小微企业融资难的现状、问题进行了分析,并对如何解决进行了探索和思考。
At present, the financing of small and micro enterprises in our country has become an important obstacle to its development. Although many targeted policies have been issued, the result is not satisfactory. The main reason is that subjective and objective factors such as non-standardization of production and operation, low reputation and lack of guarantee exist in small and micro enterprises Restricting its financing ability. In order to solve the financing problem of small and micro enterprises, combined with the survey results and work practices, the article analyzes the current situation and problems of small and micro enterprises financing difficulties and probes into how to solve them.