小微企业是我国经济的基本细胞,然而,受国内外复杂经济形势影响,成本上涨、订单萎缩,当前一些小微企业的发展困境重重。如何破解小微企业面临的种种难题,让它们轻装上阵,成为全社会关注的焦点。本文通过金融服务、信贷产品、担保机制、管理手段等创新,探索破解小微金融融资难题。 Small and micro enterprises are the basic cells of China’s economy. However, due to the complicated economic situation both at home and abroad, costs have risen and orders have shrunk. At present, the development of some small and micro enterprises is in a dilemma. How to solve the problems faced by small and micro enterprises, let them light, become the focus of attention of the whole society. In this paper, through the innovation of financial services, credit products, guarantee mechanisms and management tools, we explore ways to solve the financing problems of small and micro finance.