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2008年金融危机导致的外部市场需求疲软,直接造成长三角、珠三角等区域小微企业濒临破产。由于经营成本与融资成本上升、存货堆积等因素的共同作用,大量中小微企业陷入经营困难和资金链断裂的困境。小微企业能否解困,关乎国家经济发展与社会稳定。基于此,本文分析了我国小微企业和小微金融的特点及发展情况,并深入探讨了小微金融服务发展现状及其困境,为小微企业金融服务实现战略转型提供有益借鉴。
The weak external market demand caused by the financial crisis in 2008 directly led to the bankruptcy of small and micro enterprises in the Yangtze River Delta and Pearl River Delta regions. As a result of the combined effect of operating costs and financing costs and inventories and other factors, a large number of small and medium-sized and micro-enterprises have fallen into the difficulties of operating and breaking the capital chain. Small and micro enterprises can be troubled, related to the country’s economic development and social stability. Based on this, this paper analyzes the characteristics and development of China’s small and micro-enterprises and small and micro-finance, and discusses in depth the status quo and plight of the development of small and micro financial services to provide useful reference for the strategic transformation of small and micro-sized enterprises in financial services.