伴随着我国经济的持续快速增长,小微企业在数量和质量上得到了长足发展。同时,对国家经济增长贡献越来越大,已经成为解决劳动就业的主要渠道。但是小微企业在发展的过程中受内因和外因的影响,与大、中型企业相比,许多方面一直处于劣势。目前,特别是小微企业贷款难问题一直是制约其迅速发展的最大障碍。本文从当前小微企业的现状和结合目前的实际,对小微企业贷款难问题进行研究。 With the sustained and rapid economic growth in our country, the small and micro enterprises have made great strides in terms of quantity and quality. At the same time, making more contributions to the country’s economic growth has become the main channel for solving the labor and employment problems. However, small and micro enterprises are affected by internal and external causes during their development, and many aspects have been at a disadvantage compared with large and medium-sized enterprises. At present, the problem of small loans to small and micro enterprises, in particular, has always been the biggest obstacle to its rapid development. This article from the current status of small and micro enterprises and combined with the current reality of small and micro enterprises to study the problem of difficult loans.