本文阐明了中国小微企业社会贡献和小微融资实际状况,就小微企业融资提升缓慢因素进行分析,指出互联网新经济下小微金融正成为国内金融业转型发展重要方向。文章论述了以传统方式开展小微金融会遭遇观念禁锢、政策不足、风险难控和效率低下几大瓶颈制约,亟需进行有效突破:一是要破除落后观念,认清发展方向;二是要总结学习国内外成功经验,政府鼓励政策引导;三是商业银行变革经营理念,创新小微企业融资机制;四是要将大数据和互联网等时代前沿的高新技术手段融合运用,实现融资风险有效控制,提升金融服务效率,推动小微金融有效发展。 This paper illustrates the social contribution of small and micro enterprises in China and the actual conditions of small and micro financing, and analyzes the factors of slow increase of small and micro enterprises financing. It points out that small and micro finance in the new economy of the Internet is becoming an important direction for the transformation and development of the domestic financial industry. This article discusses the bottleneck constraints that traditional small-and-medium-sized financial companies face when confronted with concepts, lack of policies, difficult to control risks and inefficient risks. Effective breakthroughs are urgently needed. First, we must break the backward concept and recognize the development direction. Second, we must Summarize the successful experiences both at home and abroad, and guide the government to encourage policies; Third, commercial banks change their management concepts and innovate financing mechanisms for small and micro enterprises; Fourth, integrate advanced technologies such as big data and the Internet at an advanced stage to achieve effective control of financing risks , Enhance the efficiency of financial services and promote the effective development of microfinance.