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小微企业是我国企业的重要组成部分,在促进经济增长、就业增长、和增加农民收入中发挥着重要作用。近年来,小微企业在筹资过程中,面临筹资难、筹资少、风险大等很多问题,使得小微企业在生存和发展时缺少强有力的动力。为了进一步发展小微企业,小微企业的筹资现状,从小微企业内部控制、信用问题、银行问题以及政府问题四个方面出发,总结出我国小微企业筹资困境的原因。然后根据原因,从企业内部控制、企业信用、银行和政府四方面提出解决我国小微企业筹资困难的对策,这对于我国小微企业今后的发展具有现实意义。
Small and micro enterprises are an important part of our enterprises and play an important role in promoting economic growth, employment growth and increasing peasants’ income. In recent years, small and micro enterprises are facing many problems in fund-raising, such as difficulties in financing, less fund-raising and high risks. As a result, small and micro-enterprises lack strong motivation to survive and develop. In order to further develop the status quo of financing for small and micro-enterprises and small and micro-enterprises, this paper summarizes the reasons for the financing difficulties of small and micro enterprises in our country from four aspects: internal control, credit, banking and government issues. Then, according to the reasons, the countermeasures to solve the financing difficulty of our country’s small and micro enterprises are put forward from the internal control, the enterprise credit, the bank and the government, which is of practical significance for the future development of the small and micro enterprises in our country.