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小微企业在国民经济和创新发展中具有重要作用,而小微企业在发展过程中遇到的缺乏资金等问题严重影响企业生存。文章分析了小微企业的融资现状,提出了小微企业难以融资的几个方面:金融机构相对于小微企业服务少、信用评级低、融资成本高、自身各种管理不规范等等。并针对以上问题提出了完善小微企业自身发展和国家出台政策帮助小微企业解决融资问题的方法,以有效解决融资问题,促进经济市场健康发展。
Small and micro-enterprises play an important role in the national economy and innovation and development. The lack of funds and other problems encountered by small and micro-enterprises in their development have a serious impact on their survival. This paper analyzes the current status of financing for small and micro enterprises, and puts forward several aspects that are difficult for small and micro enterprises to raise funds. For example, financial institutions have less services to small and micro enterprises, low credit rating, high financing costs, and various irregularities in their management. In view of the above problems, we put forward ways to improve the self-development of small and micro enterprises and the state’s policies to help small and micro enterprises solve their financing problems so as to effectively solve the financing problems and promote the healthy development of economic markets.