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当前,我国包括个体工商户在内的中小微企业从业人口在2亿人左右,近5000万户。中小微企业是就业的主渠道,创业创新的重要力量,企业家成长的主要平台,在国民经济中具有极其重要的战略地位。小微企业关乎经济发展的活力与后劲,可以说“无小不稳,无小不富,无小不兴”。但当前小微企业生存环境仍不容乐观。我们的长期跟踪调查表明:多数企业面临融资贵、用工难、税负重、成本高、利润薄等多重困境。一是融资贵。大量难以从正规金融机构
At present, China’s small and medium-sized micro-enterprises, including individual industrial and commercial households, employ about 200 million people and nearly 50 million. Small and medium-sized micro-enterprises are the main channel for employment, an important force for entrepreneurship and innovation, and the main platform for entrepreneurs to grow. They have an extremely important strategic position in the national economy. Small and micro enterprises related to the vitality and stamina of economic development, it can be said “No small non-volatile, no small fortune, no trivial ”. However, the current small and micro enterprises living environment is still not optimistic. Our long-term follow-up survey shows that most enterprises are faced with multiple dilemmas such as high financing costs, hard-working employment, heavy tax burden, high costs and thin profits. First, financing is expensive. Lots of hard to get from formal financial institutions