中小微企业是我国国民经济的重要组成部分,近几年来,国家加大了对小微企业发展的重视程度,出台了一系列支持小微企业发展的政策措施,各金融机构也从信贷支持和金融服务方面,积极改善小微企业的融资环境。但由于体制、机制和政策等因素的存在,小微企业的融资仍然存在许多问题。因此,本文通过对小微企业的融资现状及特点进行分析和研究,指出小微企业融资中存在的问题,并结合实际情况,提出相关政策建议。 In recent years, the state has increased its emphasis on the development of small and micro enterprises, issued a series of policies and measures to support the development of small and micro enterprises, and various financial institutions have also started from the aspects of credit support and In financial services, we actively improved the financing environment for small and micro enterprises. However, due to the existence of institutional, institutional and policy factors, there are still many problems with the financing of small and micro enterprises. Therefore, this paper analyzes and studies the status quo and characteristics of the financing of small and micro enterprises, points out the problems existing in the financing of small and micro enterprises, and puts forward relevant policy recommendations in light of the actual conditions.