在鸡西市传统大中型企业逐渐丧失经济发展的优势、政府正在进行积极转型的背景下,小微企业在带动就业、促进经济增长上的积极作用日益凸显,融资难成为抑制小微企业发展的主要难题。本文在探讨小微企业融资现状、融资难原因的基础上,提出了建立互联网金融平台、建立政策性小微企业银行、激活民间资本等创新型的融资模式。 Given the gradual loss of the advantages of economic development in traditional large and medium-sized enterprises in Jixi City and the government’s ongoing positive transformation, the positive role of small and micro enterprises in driving employment and promoting economic growth has become increasingly prominent. Financing difficulties have become the major factor inhibiting the development of small and micro enterprises problem. On the basis of discussing the status quo of financing for small and micro enterprises and the reasons for financing difficulties, this paper proposes innovative financing models such as setting up Internet finance platform, establishing policy-oriented small and micro enterprise banks and activating private capital.