安徽合肥地区小微企业融资问题探索内容提要：目前的小微企业作为基本上所有国家市场经济发展的重要组成部分，它们的依据其自身灵活发展这样的优势，从而十分有效地弥补了目前行业中大型企业过度发展以及缺乏竞争所导致的市场活力的不足。然而，就在我国深化改革和当前加快小微企业发展的过程中，特别是影响和制约小微企业发展的问题仍然很多，目前来说尤为突出的是融资困难。所以说行业中不解决融资难，我国的小微企业资金不足以及周转不灵，再加上正常运作就会苦难重重，设备更新以及技术创新均难以实现。安徽省的合肥作为改革开放三十余年我国小微企业发展的一个很有代表性缩影，就在近年来发展过程中显示出了严重的资金“”瓶颈问题，很多的小微企业老板跑路潮已经在当今世界上引起了全国各界的普遍关注，再就是很多民间资本市场混乱的现象也开始在全国各地蔓延。因此这篇论文从合肥小微企业融资难的现实困境出发，再就是在前人研究基础上，针对当前现状中合肥企业融资问题进一步深入研究，文章从从理论和现实两个层面剖析它的成因，以及探索如何拓展融资渠道，更好的化解合肥小微企业融资瓶颈相关的对策。关键词：合肥，小微企业，融资难，对策TheexplorationofsmallandmicroenterprisefinancinginHefeiAnhuiregionAbstract：thesmallandmicroenterprisesisanimportantpartofanycountryinthedevelopmentofmarketeconomy,onthebasisofitsownflexibledevelopmentadvantages,effectivelycompensateforthelackoflargeenterprises,thelackofcompetitioncausedbytheexcessivedevelopmentofthevitalityofthemarket.However,intheprocessofdeepeningreform,acceleratethedevelopmentofsmall-sizedenterprisesin,influenceandrestrictthedevelopmentofSMEsisstillalotofproblems,especiallytheproblemoffinancingdifficulty.Tosolvethefinancingdifficultyofsmallandmicroenterprisesnot,lackoffunds,flow,normaloperationwillbedifficult,equipmentrenewalandtechnologicalinnovationaredifficulttoachieve.Hefeiasthereformandopeningupaminiatureofthedevelopmentofsmall-sizedenterprisesinChinaformorethanthirtyyears,inrecentyearsthedevelopmentprocesshasencounteredthebottleneckoffundsseriously,thesmallandmicroenterprisesbossonfootboomhascausedwidespreadconcernfromallwalksoflife,thefolkcapitalmarketchaosphenomenonbegantospreadalloverthecountry.Therefore,thisarticlefromtherealityoftheplightofthefinancingofsmallandmicroenterprisesinHefeitostart,onthebasisofpreviousstudies,theproblemoffinancingofHefeienterprisestofurtherin-depthresearch,analysisofitscausesfromtwoaspectsoftheoryandreality,exploringhowtoexpandfinancingchannels,toresolvethefinancingbottleneckofsmallandmicroenterprisesinHefei.keyword：Hefei，smallandmicroenterprises，financingdifficulty，countermeasure目录前言....................................................................................................................................................1一、合肥小微企业概况....................................................................................................................1（一）合肥小微企业发展状况及融资现状............................................................................1（二）合肥小微企业融资难现状............................................................................................21.合肥小微企业资金缺口大............................................................................................32.正规金融渠道融资资金有限........................................................................................33.民间借贷使用成本高....................................................................................................4二、合肥...
