目前小微企业已经成为市场中最活跃的经济体,是我国国民经济的重要组成部分,但是长期以来存在着融资难的问题,尽管许多商业银行已经意识到小微企业的巨大潜力,开始大力开展小微金融服务,但仍存在很多可以优化的地方。文章从小微企业贷款的现状出发,分析企业在融资过程中面临的问题,针对性地提出一些发展模式。 At present, small and micro enterprises have become the most active economies in the market and are an important part of our national economy. However, the problem of financing difficulties has long existed. Although many commercial banks have realized the great potential of small and micro enterprises, they have started to work vigorously Small micro financial services, but there are still many areas that can be optimized. Based on the status quo of small and micro enterprise loans, the article analyzes the problems faced by enterprises in the financing process and proposes some development models in a targeted manner.