在当前“三期重叠”的宏观环境下,经济面临高度的复杂性和不确定性,整体上有去杠杆的压力,银行体系的风险增加,这使得小微企业融资可能更加困难。显然,解决好小微企业的金融服务,将会有力促进经济保持稳定与活力。小微金融是一个普遍性的难题数量众多的小微企业在世界各个经济体中都占有非常重要的地位。然而,由于小微企业自身的弱质性和金融服务结构的匹配缺陷,长期以来,小微企业的融资成了世界性难题。早 In the current “three overlapping” macroeconomic environment, the economy faces a high degree of complexity and uncertainty, with overall deleveraging pressure and increased risks in the banking system, making it more and more difficult for SME financing. Obviously, solving the financial services of small and micro enterprises will effectively promote the economy’s stability and vitality. Small and micro finance is a universal dilemma A large number of small and micro enterprises occupy a very important position in all economies in the world. However, the financing of small and micro-enterprises has long been a worldwide problem for a long time due to the shortcomings of their own weakness and the structure of financial services. early