目前,小微企业在发展中面临不少困难和问题,如政策环境不完善,创业门槛高,市场准入和退出机制不健全,社会化服务体系滞后,鼓励支持小微企业创业的政策尚缺乏相应有效的配套措施等,而其中,融资难是制约小微企业发展最突出的一个问题。 At present, small and micro-enterprises are facing many difficulties and problems in their development. For example, the policy environment is not perfect, the threshold for starting a business is high, the market access and exit mechanisms are not perfect, the socialized service system is lagging behind, and policies to encourage small and micro enterprises to start their businesses are still lacking The corresponding effective support measures, etc., of which, financing is difficult to restrict the development of small and micro enterprises the most prominent issue.