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文章结合利率市场化和小微企业融资的相关理论,对青海省农牧区小微企业的发展现状进行了研究,从它们的内部因素和外部因素两方面分析了融资难的原因,研究利率市场化给他们带来的机遇和挑战,最后结合青海农牧区实际,提出破解小微企业融资难的关键在于:小微企业提升内源性融资能力、完善企业信用制度以及建立完善的财务制度。
Based on the theory of interest rate marketization and financing of small and micro enterprises, this paper studies the current situation of small and micro enterprises in agriculture and animal husbandry in Qinghai Province, analyzes the reasons of financing difficulty from two aspects of their internal factors and external factors, Finally, the key to solving the financing difficulties for small and micro-enterprises is to combine the actual situation of the farming and stockbreeding areas in Qinghai Province with the following measures: to enhance the ability of endogenous financing for small and micro enterprises, improve the credit system of enterprises and establish a sound financial system.