经济新常态下,随着银行控制风险,贷款条件更加严格,小微企业融资难度不断加大。文章结合江苏省南通市实际,分析了小微企业融资难的原因,建议通过创新财政资源金融化配置、支持融资担保体系建设、引导发展多元化金融等方式,缓解小微企业融资难。 Under the new economic normal, as the bank controls the risk and the loan conditions become more stringent, the financing difficulty of small and micro enterprises will continue to increase. Based on the actual situation in Nantong, Jiangsu Province, this paper analyzes the reasons for the difficulty of financing for small and micro enterprises. It is proposed that the financing of small and micro enterprises should be alleviated by innovating the financial allocation of financial resources, supporting the construction of financing guarantee system, and guiding the development of diversified finance.