小微企业,包含小型企业和微型企业,这一概念及其相关金融服务最早由民生银行提出。作为中国最小的经济主体,它在促进我国经济的稳步增长、增加财政收入、扩大居民就业以及维护社会和谐稳定方面发挥着不可替代的重要作用。然而,由于先天不足以及各种现实问题的制约,我国小微企业普遍存在着融资难、贷款难的问题,这直接制约了小微企业的健康持续发展。以分析区域小微企业金融服务风险管理现状及存在的问题为基点,为优化我国小微企业金融风险的防范与控制机制提出一些相关构想,以求能为小微企业的金融服务略尽绵力。 Small and micro enterprises, including small and micro enterprises, were first introduced by Minsheng Bank as a concept and its related financial services. As China’s smallest economic entity, it plays an irreplaceable and important role in promoting the steady growth of our economy, increasing fiscal revenue, expanding resident employment and maintaining social harmony and stability. However, due to the inherent deficiencies and the constraints of various realistic problems, the problems of financing difficulties and loans are common in China’s small and micro enterprises, which directly restrict the healthy and sustainable development of small and micro enterprises. Based on the analysis of the status quo and existing problems of risk management of financial services in small and micro enterprises in the region, some suggestions are put forward to optimize the prevention and control mechanism of financial risk in small and micro enterprises in our country, in order to make the financial services of small and micro enterprises a go as far as possible.