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随着经济的发展,一批批的小微企业如雨后春笋般出现,其在促进我国经济发展、提高就业、增加税收等方面发挥了重要的作用。然而小微企业本身所具有的特征以及外在的原因使其在融资方面面临着种种困难,限制了其进一步发展。本文分别从宏观和微观两个方面全面分析了我国小微企业融资难问题的原因,并重点阐述了信用体系的健全对于小微企业融资的重要性,并提出了相应的解决办法。
With economic development, batches of small and micro enterprises have mushroomed and have played an important role in promoting China’s economic development, increasing employment and increasing taxes. However, the characteristics of small and micro enterprises themselves as well as the external causes make them face difficulties in financing and restrict their further development. This paper analyzes the causes of the financing difficulty of small and micro enterprises in China from macro and micro aspects respectively, and emphatically expounds the importance of the sound credit system for the financing of small and micro enterprises, and puts forward the corresponding solutions.