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小微企业作为现代市场经济环境下的一支特殊队伍,在经济发展过程中发挥了增强市场活力、促进科技创新、增加群众收入、创造就业机会等重要作用。然而,在我国很多地区小微企业仍然面临着融资渠道狭窄、融资需求难以满足、融资成本高企、民间借贷风险巨大等突出问题。本文从我国小微企业面临的融资困境现状出发,探讨应如何进一步有针对性地扩大小微企业的融资途径、缓解小微企业的融资成本,从而促进小微企业与金融市场良性互动的问题。
As a special team in the modern market economy, small and micro enterprises play an important role in economic development such as enhancing market vitality, promoting scientific and technological innovation, increasing people’s income and creating employment opportunities. However, in many areas of our country, small and micro enterprises still face such prominent problems as narrow financing channels, difficult financing requirements, high financing costs and huge risks of private lending. Based on the current situation of financing dilemma faced by small and micro enterprises in our country, this article discusses how to further increase the financing of small and micro enterprises in a targeted manner, alleviating the financing cost of small and micro enterprises, and promoting the positive interaction between small and micro enterprises and financial markets.