随着经济全球化进程日趋加速,市场竞争日趋激烈,小微企业发展的问题已经成为一个世界性的研究课题,小微企业的大量存在是经济发展的必然结果,也是市场竞争的内在要求,是吸收就业,活跃市场气氛,推动经济增长,维护市场活力的前提条件,是国民经济的重要支柱。今年全国金融工作会议明确提出,要坚持金融服务实体经济的要求,确保资金投向实体经济,有效解决实体经济融资难、融资贵 With the accelerating economic globalization and fierce market competition, the development of small and micro enterprises has become a worldwide research topic. The existence of small and micro enterprises is the inevitable result of economic development as well as the inherent requirement of market competition. It is an important pillar of the national economy to absorb employment, revitalize the market, promote economic growth and maintain market vitality. This year's National Financial Work Conference made it clear that we must adhere to the requirements of financial services for the real economy and ensure that funds are invested in the real economy so as to effectively solve the difficulties of financing the real economy and financing