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在我国,中小微企业占全国企业总数的99.7%,其中小微企业占97.3%,提供城镇就业岗位超过80%,创造的最终产品和服务相当于国内生产总值的60%,上缴利税占50%。由此看来小微企业不仅是市场经济主题中最具活力的参与主体,也是提供就业岗位的生力军。但是我国目前传统的融资模式,尤其是商业银行的风险管理体系和风险容忍度,很多发展势头良好的小微企业往往受困于融资渠道问题而裹足不前。
In China, small and medium-sized micro-enterprises account for 99.7% of the total number of enterprises in the country, of which 97.3% are small and micro-enterprises, over 80% are employed in urban areas, 60% of GDP and 50% %. From this, it seems that small and micro enterprises are not only the most dynamic participants in the theme of market economy, but also the new force providing jobs. However, the current traditional financing models in our country, especially the risk management system and risk tolerance of commercial banks, are often caught in the trap of financing channels by many small and micro enterprises with good momentum of development.