我国小微企业融资难的问题及对策研究

Research on the difficulty in financing in small and micro enterprises in China and countermeasures

融资难的问题是影响小微企业发展的关键因素。基于"景气指数"理论针对小微企业融资现状和存在的问题,进行原因分析,提出了增强企业自身素质,改善企业自身融资条件;完善服务于小微企业的金融体系;加大政府对小微企业的政策支持力度等对策。

Difficulty in financing is the key factor in affecting the development of small and micro enterprises. Based on the “climate index”theory and the current financing problems of small and micro enterprises,this thesis analyzes the reasons and puts forward the following strategies：improving their own quality and conditions of finan-cing,perfecting the financial service system for small and micro enterprises,and strengthening the government＇s policy support.