目前,小微企业难以从商业银行获得贷款,造成小微企业发展面临融资难的困境。小微企业信贷风险大是造成小微企业从商业银行融资困难的主要障碍,本文从公司治理的角度对小微企业信贷风险的内在成因进行了分析,指出小微企业公司治理结构不完善是造成信贷风险的根本原因,并针对性提出解决对策和措施建议。 At present, it is difficult for small and micro enterprises to obtain loans from commercial banks, causing the development of small and micro enterprises to face the difficulties of financing. The big credit risk of small and micro enterprises is the main obstacle to the financing difficulty of small and micro enterprises from commercial banks. This article analyzes the inherent causes of credit risk of small and micro enterprises from the perspective of corporate governance, and points out that the imperfect corporate governance of small and micro enterprises is the result of The root cause of credit risk, and pointed out the countermeasures and measures proposed.