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融资难是阻碍小微企业发展的一个重大瓶颈,造成这一现象的原因有银企之间信息不对称,小微企业信用差、信用体系建设滞后,缺乏有效的信用机构等。正视小微企业信用体系建设的重要性,寻求适合其发展的信用模式,加大政府扶持力度,对于缓解信息不对称问题,促进小微企业健康长久发展具有重大意义。
Financing difficulties are a major bottleneck hindering the development of small and micro enterprises. The reasons for this phenomenon include asymmetric information between banks and enterprises, poor credit for small and micro enterprises, lagging credit system construction and lack of effective credit institutions. It is of great significance to address the importance of building a credit system for small and micro enterprises, to seek a credit model appropriate to their development, and to increase government support. This is of great significance to alleviating the issue of information asymmetry and promoting the healthy and long-term development of small and micro-enterprises.