小微企业融资难主要体现在融资渠道匮乏和融资成本过高两个方面,而社区银行能够通过业务模式创新降低交易成本与信贷成本来弥补传统金融机构的不足。本文构建了一个社区银行开展团体贷款的理论模型,论证社区银行缓解小微企业融资难的可行性。 The financing difficulties of small and micro enterprises are mainly reflected in the lack of financing channels and the high cost of financing, while community banks can make up for the deficiencies of traditional financial institutions by reducing transaction costs and credit costs by innovating business models. This article builds a theoretical model of community banks to carry out group loans, demonstrate the feasibility of community banks to alleviate the financing difficulties of small and micro enterprises.