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小微企业融资难、融资贵是一个国际性难题,在我国也是由来已久,我国现有金融体系与小微企业发展现状不匹配、不适应,所提供的支持和服务与小微企业群体的实际需求存在差距。为了切实解决小微企业贷款难的问题,2006年,中国人民银行、财政部、原劳动和社会保障部等联合下发了《关于改进和完善小额担保贷款
Small and micro enterprises financing difficulties, financing is an international problem, it is also a long time in our country, our current financial system and the development of small and micro enterprises do not match the status quo, do not meet the support and services provided by small micro-enterprise groups There is a gap between the actual needs. In order to effectively solve the problem of making loans to small and micro enterprises difficult, in 2006, the People’s Bank of China, the Ministry of Finance and the former Ministry of Labor and Social Security jointly issued the Circular on Improving and Improving the Small-sized Guaranteed Loans