小微企业设立门槛的特点,促进了小微企业在市场化后迅速打开局面,取得快速增长,但由于其迅速发展,导致相应的配套设施处于滞后阶段。而随着其需求逐渐呈现多样化,这种滞后对小微企业发展的制约也越来越严重。小微企业融资难的问题是多方面因素综合影响的结果。从企业本身来看,小微企业规模小,可抵押资产少,财务制度不健全,经营策略往往不具有持续性;从银行 The threshold of establishing small and micro-enterprises has promoted the rapid opening-up of small and micro-enterprises after marketization and achieved rapid growth. However, due to its rapid development, the corresponding supporting facilities are in a lagging phase. With the gradual diversification of their demand, the lagging constraints on the development of small and micro enterprises are also more and more serious. The problem of financing small and micro enterprises is the result of a combination of many factors. From the perspective of the enterprises themselves, the small and micro enterprises are small in size, have few assets that can be pledged, their financial systems are not sound, and their business strategies are often not sustainable.