现代金融体系以及大中型银行金融服务是在大工业经济基础上建立起来的,与大中型企业专业化、规模化的融资需求相适应,但无法满足小微型企业特殊化的融资需求,为此,应基于小微型企业的融资特点,探索各种新的小微型企业融资模式和融资路径。 The modern financial system and the financial services of large and medium-sized banks are established on the basis of large-scale industrial economy. They are compatible with the specialized and large-scale financing needs of large and medium-sized enterprises but can not meet the special financing needs of small and micro enterprises. Therefore, Based on the financing characteristics of small and micro-enterprises, various financing models and financing routes for small and micro enterprises should be explored.