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随着小微企业的快速发展,我国国民经济以及GDP都有明显的提高,成为我国国民近经济中的重要支柱。但是小微企业由于自身的局限性,在融资方面仍然十分困难,虽然我国为小微企业的发展提出许多相关的支持性政策,但是资金短缺一直是小微企业在经营发展过程中普遍面临的主要问题之一。本文中,笔者将会从普惠金融服务的视角下,来探索农村金融机构发展小微企业信贷中所面临的一些主要问题,并依据这些问题,为更好的完善农村金融机构在小微企业方面的业务开展,探索其发展的有效途径。
With the rapid development of small and micro enterprises, the national economy and GDP of our country have obviously risen, and have become an important pillar of the national economy in our country. However, because of their own limitations, small and micro enterprises (SMEs) are still very difficult to raise financing. Although many relevant supportive policies have been proposed for the development of small and micro enterprises in our country, the shortage of funds has always been the major issue faced by small and micro enterprises in their operation and development One of the problems. In this article, I will explore some of the major problems that rural financial institutions face in developing small and micro enterprises ’credit from the perspective of inclusive financial services. Based on these issues, I will try our best to improve rural financial institutions’ Business development, explore its effective way of development.