小微企业:小型和微型需要区别对待小微企业融资为什么那么难?这个问题由来已久,答案也是大相径庭,对外经济贸易大学的吴青教授为我们做了精辟的概括,归结起来主要三方面:社会环境方面,全社会信用缺失,征信系统没有建立起来,信誉相对对较差的小微企业贷款就会更难;金融机构方面,金融产品缺乏创新,偏好大中型企业;小微企业方面,自身信息不准确,经营不规范,融资渠道单一。 Small and micro enterprises: small and micro need to be differentiated Small and micro enterprise financing why so difficult? This problem has a long history, the answer is very different, Professor Wu Qing University of International Business and Economics made a brilliant summary for us, summed up the three main areas: Social environment, the lack of credit in the whole society, the credit system has not been established, the credibility of the relatively poor loans of small and micro enterprises will be more difficult; financial institutions, the lack of innovation in financial products, preference for large and medium-sized enterprises; small and micro enterprises, Own information is not accurate, business is not standardized, a single financing channels.