中文摘要改革开放以来，我国微小企业进展迅速，在我国经济中占有越来越重要的地位，取得了一定的成就。但在快速进展的同时也遇到不少问题，如微小企业融资渠道狭窄、融资力度不足，这在一定程度上造成了微小企业融资紧张的局面，阻碍了其进展。文章以东莞市微小企业为讨论对象，首先探讨东莞市微小企业融资的现状及存在的问题，然后从企业自身、担保体制以及银行信贷的角度分析了产生这些问题的原因，并借鉴国外微小企业融资的经验，结合微小企业自身的特点，提出扶持、建立健全交易体系等对策，为解决东莞市微小企业的融资困境提供参考。关键词: 微小企业，融资，措施AbstractSince the reform and opening up ,China's micro-enterprises develop rapidly, has got some achievements, and plays an increasingly important role in China's economy; but it also should be noted that the rapid development of the problems encountered a legacy of problems, such as narrow channels of micro-enterprises financing, lack of financing efforts, to some extent, which created tension financing of micro-enterprises and hinder its development. This paper bases on Dong Guan micro-enterprises, firstly discusses the financing situation of micro-enterprises and the problems, and then analyzes the reasons for these problems and to learn from foreign experience in micro-enterprises financing, combined with China's national conditions and characteristics of micro-enterprises, put forward specific measures for micro-enterprises and provides guidance on financing difficulties.Key Words：Micro-enterprises， Financing difficulties;，Measures一、东莞市微小企业融资的现状及特点（一）东莞市微小企业融资的现状改革开放以来，东莞经济取得了飞速的进展，特别是东莞模式的逐步建立，使得东莞逐步成为港台甚至全球制造业的“工厂”，而作为数量最多的微小企业，在东莞市经济进展中功不可没。截至 2025 年底，东莞市工商登记注册的微小企业和个体工商户共481710 户，其中绝大多数为小型企业。以经济性质区分，个体户占比达 82.15%。央行网站公布的数据显示，截至...
