摘要目前我国小微企业正处于高速发展区间，但是小微企业的资金成为了发展的困境，这时需要贷款的帮助，但是银行的信贷授信标准高不适用小微企业，其他多方金融机构对于小微企业的门槛也相对较高不适用当今的小微企业，本文以小微企业融资难的问题为主体，结合国内外研究发现多角度对于对小微企业融资问题进行分析，合理分析各自的顾虑和需求，结合收集的资料进行分析，提出一系列有用的建议。希望为我国小微企业发展，为推动我国经济合理增加尽一份力。关键字：小微企业；信贷；融资；风险AbstractAt present, China's small and micro-enterprises are in a high-speed development zone, but the funds of small and micro-enterprises have become a development dilemma. At this time, they need the help of loans. However, the high credit standards of banks are not suitable for small and micro-enterprises, other multi-party financial institutions also have a relatively high threshold for small and micro enterprises, which is not suitable for today's small and micro enterprises, combining the domestic and foreign research findings, this paper analyzes the financing problems of small and micro enterprises from different angles, reasonably analyzes their concerns and needs, and analyzes the collected data, and puts forward a series of useful suggestions. Hope for our country small and micro enterprise development, in order to promote our country economy reasonable increase a strength.Key words：Small and micro enterprises；credit；financing；risk目录一、引言.......................................................P 1二、小微企业融资方式及现状.....................................P 1三、国内外研究概况及问题.......................................P 2（一）国内外研究现状概况........................................P 21. 国外研究现状概况.............................................P 22. 国内研究现状概况.............................................P 2（二）国内外研究存在的问题..............
