小微企业是我国经济发展的重要来源,同时也为社会就业等一系列的问题做出了不容小视的作用。但小微企业存在规模较小,收入不稳定,贷款难等一系列的问题,这些问题严重影响着小微企业未来的发展。本文将从多个方面就小微企业贷款难的问题进行讨论,并对目前此问题提出解决方案。 Small and micro enterprises are an important source of economic development in our country. At the same time, they also make an invaluable role in a series of issues such as social employment. However, small and micro enterprises have a series of problems, such as small scale, unstable income and difficult loans. These problems have a serious impact on the future development of small and micro enterprises. This article will discuss the difficulties of small and micro enterprises loans from many aspects, and propose solutions to the current problems.