浅析普惠金融下小微企业融资的现实困境与路径选择摘要小微企业作为实体经济的重要组成部分，是普惠金融发展的主要方向。“融资难，融资贵”让小微企业的发展受阻。普惠金融可以有效满足小微企业的融资需求，并考虑金融机构的利益要求。本文主要从普惠金融的角度出发，探讨商业银行兼有商业可持续性和金融普惠性面临挑战，监管体系不健全，民间金融动荡频发，担保行业陷入困境等小微企业融资难问题。在普惠金融下，通过多方面的共同努力，缓解小微企业的融资困境，让小微企业更加健康快速的发展，从而促进我国经济的健康发展。关键词：小微企业；普惠金融；融资困境；对策IAnalysis on the Real Dilemma and Path Choice of Small and Micro Enterprises Financing Under Inclusive FinanceAbstractAs an important part of the real economy, small and micro enterprises are the main direction of the development of inclusive finance. "Financing is difficult, financing is expensive" let the development of small and micro enterprises hindered. Inclusive finance can effectively meet the financing needs of small and micro businesses and consider the interest requirements of financial institutions. From the perspective of inclusive finance, this paper mainly discusses the challenges faced by commercial Banks in both commercial sustainability and financial inclusive nature, the imperfect regulatory system, frequent private financial turbulence, and the difficulty of financing for small and micro businesses such as guarantee industry. In the context of inclusive finance, through joint efforts in various aspects, the financing difficulties of small and micro enterprises can be alleviated, so that small and micro enterprises can develop more healthily and rapidly, thus promoting the healthy development of China's economy.Key words: small and micro businesses；inclusive finance；financing difficulties；countermeasuresII目 录摘要............................................
