目前,小微企业发展面临的突出问题和重要瓶颈,是融资难和融资成本不断攀升。目前,从我国实际情况看,除了在一些高科技以及示范开发区有很多小微型企业给予政策和优惠外,在大多数小微企业融资的问题上还存在很多问题,主要表现在融资的渠道不多,能够融资到的资金量非常小,融资也非常困难等问题,根本在于内部融资不够充足,在一定程度上影响了小微企业的发展,本文重点针对这些问题进行简要分析和思考。 At present, the outstanding problems and important bottlenecks facing the development of small and micro enterprises are the difficulty of financing and the rising cost of financing. At present, judging from the actual situation in our country, there are still many problems on the financing of most small and micro enterprises except for the fact that many small and micro-sized enterprises in some high-tech and demonstration development zones give policy and preferential treatment. The problems mainly lie in the channels of financing More and more, the amount of funds that can be financed is very small and the financing is also very difficult. The fundamental reason is that the internal financing is not sufficient enough, which has affected the development of small and micro enterprises to a certain extent. This article focuses on the analysis and reflection of these problems.