小微企业是我国经济的重要组成部分,它数量众多,业态多样,在就业、富民中发挥着不可替代的作用,它进退便捷,适合对市场经济结构拾遗补缺。尽管如此,小微企业依然面临着融资难,融资成本高等困境。目前摆在政府、金融机构、小微企业面前的最主要问题是扩展融资渠道,改变现有融资方式,它不但可以解决资源配置的效率问题,促进经济发展,而且使小微企业充分利用比较优势,促进就业,进而保持中国经济的平稳增长。 Small and micro enterprises are an important part of our economy. They are numerous in number and diversified in their industries. They play an irreplaceable role in employment and enriching the people. They are convenient for advance and retreat, and are suitable for supplementing and supplementing the market economic structure. In spite of this, small and micro enterprises still face difficulties in financing and high financing costs. The main problems currently facing governments, financial institutions and small and micro enterprises are expanding financing channels and changing existing financing methods. It not only can solve the efficiency issue of resource allocation, promote economic development, but also enable small and micro enterprises to make full use of comparative advantages , Promote employment, and then maintain the steady growth of China’s economy.