小微企业融资,既需要市场机制,也需要政府的适度干预。基于政府与市场相结合的逻辑,普惠性小微企业融资支持策略应该是:培育小微融资市场主体,使市场成为小微企业融资的内在机制;实现小微企业融资基础设施全覆盖,降低小微融资市场主体的交易成本;利用小微企业融资政策,激励融资市场主体扩大和创新小微金融产品和服务供给。 Small and micro enterprise financing needs both market mechanism and moderate government intervention. Based on the logic of the combination of government and market, the financing support strategy for all-inclusive micro-enterprise should be to foster the main body of micro-finance market and make the market become the internal mechanism of financing for small and micro enterprises; to fully cover the financing infrastructure of small and micro enterprises and to reduce The transaction costs of the main micro-finance market players; the use of small and micro enterprise financing policies to encourage the financing market players to expand and innovate the supply of small and micro financial products and services.