摘要中小企业是当代市场经济中非常重要的一部分，在推动经济进步、促进技术革新等方面起关键性作用。但是，由于公司的管理体制不完善、资产规模有限、外部信用担保制度不足、中小企业融资体系不健全等原因，我国中小企业难以获得相应的金融服务，融资限制已经成为必须解决的紧急问题，这是限制中小企业成长的重要原因。为了解决中小企业融资的问题，实现国内融资过程手段的多样化，并保证融资的公平，公正和透明化。国内采用了惠普金融发展的新模式来促进市场内部融资需求的发展。为中小型企业的金融服务奠定了良好的基础。惠普金融在原有的传统金融基础上降低了交易成本，扩大金融交易渠道、改善传统金融机构的缺陷等方面具有特殊的优势，为大部分中小型企业的融资选择提供了多种选择手段并且缓解了大部分融资困难的现状。本文将把国内惠普金融的发展县城作为主要的研究对象，结合当前的市场发展背景和中小型企业融资过程当中面临的问题进行详细的调查和研究，总结得出惠普金融所带来的影响。最后从政府、企业、互联网金融、融资机构、信用担保等多方面存在的问题得出有效的解决方案。关键词：中小企业，融资困境，普惠金融，金融交易OnthefinancingdifficultiesofsmallandmediumsizedenterprisesundertheinclusivefinancialsystemAbstract:Smallandmedium-sizedenterprisesareaveryimportantpartofthecontemporarymarketeconomyandplayakeyroleinpromotingeconomicprogressandtechnologicalinnovation.However,duetotheimperfectcompanymanagementsystem,limitedassetscale,insufficientexternalcreditguaranteesystem,andimperfectfinancingsystemforSMEs,itisdifficultforSMEsinmycountrytoobtaincorrespondingfinancialservices.Financingrestrictionshavebecomeanurgentissuethatmustberesolved.ItisanimportantreasonforrestrictingthegrowthofSMEs.InordertosolvethefinancingproblemofSMEs,realizethediversificationofdomesticfinancingprocessandensurethefairness,justiceandtransparencyoffinancing.Domestically,HP'snewfinancialdevelopmentmodelhasbeenadoptedtopromotethedevelopmentofinternalfinancingneedsinthemarket.Ithaslaidagoodfoundationforthefinancialservicesofsmallandmediumenterprises.HPFinancehasreducedtransactioncostsonthebasisoftheoriginaltraditionalfinance,expandedfinancialtransactionchannels,andimprovedtheshortcomingsoftraditionalfinancialinstitutions.Ithasspecialadvantages,providingavarietyofoptionsandalleviatingthefinancingoptionsofmostsmallandmedium-sizedenterprises.Thestatusquoofmostfinancingdifficulties.ThisarticlewilltakethedevelopmentofdomesticHPFinanceasthemainresearchobject,combinethecurrentmarketdevelopmentbackgroundandtheproblemsfacedbysmallandmedium-sizedenterprisesinthefinancingprocesstoconductdetailedinvestigationandresearch,andsummarizetheimpactofHPFinance.Finally,effectivesolutionsaredrawnfromtheproblemsexistinginthegovernment,enterprises,Internetfinance,financinginstitutions,creditguarantees,etc.目录一、引言...............................................................1二、我国普惠金融发展现状...............................................1（一）普惠金融发展迅速..............................................1（二）普惠金融服务覆盖广度提高......................................21.金融机构网点数量不断增加......................................22.小额贷款行业规模不断扩张......................................23.农村金融机构不断完善..........................................3（三）普惠金融服务覆盖深度提升......................................31.普惠金融服务中小微企业........................................42.普惠金融服务三农情况..........................................43.普惠金融服务中低收入人...
