本科论文摘 要 随着我国变革过程的不断深化，小微企业的发展规模持续扩大，并逐步在我国国民经济中发挥着不可或缺的作用。但总的来说，小微企业在其发展过程中仍需克服许多困难，其中融资困难和信息不对称是制约其长期发展的重要问题。然而，中国的商业银行尚未充分处理小微企业缺乏资金的问题，在推进小微企业向更好的方向发展过程中仍发现大量问题。基于此，本文对上述内容进行了分析和探索，深入研究了商业银行扶持小微企业的境况和存在的缺陷，并提出了支持小微企业开展的对策。关键词：小微企业，商业银行，融资方式，信息不对称，风险控制本科论文AbstractWith the continuous deepening of the reform process in China, the development scale of small and micro enterprises continues to expand, and the enterprise gradually has an indispensable influence in Chinese national economy. But in general, small and micro enterprises still have to overcome many difficulties in their development, of which financing difficulties and information asymmetry are important issues that restrict their long-term development. However, China's commercial banks have not adequately dealt with the problem of small and micro enterprises lacking funds, and still find a lot of problems in the process of advancing the development of small and micro enterprises in a better direction. Based on this, this text analyzes and explores the above content. The paper deeply studies the situation and shortcomings of commercial banks in supporting small and micro enterprises, and proposes countermeasures to support the development of small and micro enterprises.Key words: Small and micro enterprises ， Commercial bank ， Financing method，Information asymmetry， Risk management本科论文 目 录摘 要....................................................................IAbstract.................................................................II目 录................................................
