目前,作为我国国民经济增长的重要组成部分——小微企业,由于经常出现贷款难、融资不易等经济困境,导致小微企业发展受到严重制约。另外,我国商业银行也针对小微企业信贷风险和成本不易掌握等现状,不肯轻易贷款为其提供金融服务。在本文中,笔者分析了当前商业银行发展小微企业贷款中所出现的问题,同时根据这些出现的问题提出了相应的解决对策,旨在通过这些对策的有效实施与开展促进商业银行和小微企业的健康发展。 Currently, as an important part of China’s national economic growth, small and micro enterprises, the development of small and micro enterprises is severely restricted due to the frequent economic difficulties such as difficult loans and difficult financing. In addition, the commercial banks in our country are also refusing to easily provide loans for their financial services because of the current situation that the credit risk and cost of small and micro enterprises are not easy to grasp. In this paper, the author analyzes the current commercial banks to develop small and micro enterprise loans in the problems that arise at the same time based on these problems put forward the corresponding solutions, through the effective implementation of these measures and to promote the commercial banks and small micro The healthy development of enterprises.