小微企业融资困境和普惠金融关系研究综述

Literature Review of the Relationship between Small and Micro Businesses Financing Difficulties and Inclusive Finance

文章基于小微企业"融资难、融资贵"的突出问题,在分析小微企业发展及融资困境、普惠金融及其在中国的发展和趋势的基础上,梳理了国内外关于小微企业融资困境的成因、普惠金融的性质、目的及其对小微企业融资服务的作用、途径等方面的研究,并对上述研究进行了述评。通过综述发现已有研究为解决小微企业"融资难、融资贵"的困境奠定了坚实的理论基础,同时具有重要的指导作用。但在通过普惠金融如何促进小微企业融资便利化,解决小微企业困境的具体措施方面缺乏深入系统的研究,这无疑为后续的研究提供了继续完善和深化的空间。为此,综述小微企业融资困境和普惠金融关系的相关研究,对于研究普惠金融如何有效解决小微企业融资困境及其具体措施方面具有重要的理论指导意义。

Based on the dilemma on financing difficulties of the Small and Micro Enterprise（SME） to analysis development and the difficulties of financing of SME. Inclusive finance and its development in China of the current situation and trends. By reviewing the scholars papers about the cause of SME＇s financing difficulties, the nature and purpose of inclusive finance, and the role and ways of financing services for small and micro enterprises. Through the review, it has been found that the existing research has laid a solid theoretical foundation for solving the financing difficulties and costs of SME, and it also has important practical guiding role. But how to promote inclusive financial SME＇s financing facilitation, lack of in-depth study of specific measures to solve the dilemma of SME, which provides space will undoubtedly continue to improve and deepen the follow-up study. Therefore, related research on SME＇s financing difficulties and inclusive financial relations, has the important theoretical guiding significance to study the specific measures of inclusive financial SME how to effectively solve the financing dilemma.