摘 要我国小微企业从萌发到现在经过了快速的发展,成为市场经济中重要的组成部分，对稳定社会就业、改善人民生活、促进企业创新创业发展具有重要作用。然而，随着我国市场经济环境的变化以及信息化迅猛发展的今天，中国的小微企业在发展的过程中面临着生产经营成本逐渐升高，融资问题日益突出，要使小微企业健康发展，必须引起社会的高度重视。有效进行分析解决小微企业所面临的信贷困境，各国都出台了相应的政策，但很多都流于形式，使得小微企业融资成为世界性的难题。在这一点上，我国国务院和政府出台了一系列相关政策管理措施，目的就是为了保护小微企业健康持续，解决小微企业融资困难的问题。但是我国商业银行对小微企业贷款业务中依旧存在一些问题，阻碍了小微企业正常发展，因此努力解决商业银行对小微企业贷款业务中存在的问题是解决小微企业融资问题的有效途径，找到行之有效的解决策略，对商业银行以及小微企业都非常有利。关键词：小微企业；商业银行；融资贷款；融资难；融资贵AbstractChina's small and micro businesses have undergone rapid development from germination to now and become an important part of the market economy, playing an important role in stabilizing social employment, improving people's lives and promoting the development of enterprise innovation and entrepreneurship. However, with the change of China's market economy environment and the rapid development of information technology today, China's small and micro enterprises are faced with the gradual increase in production and operation costs and increasingly prominent financing problems in the process of development. In order to make the healthy development of small and micro enterprises, the society must attach great importance to them. To effectively analyze and solve the credit difficulties faced by small and micro businesses, various countries have issued corresponding policies, but many of them are mere formality, making financing for small and micro businesses a worldwide problem. In this regard, the state...
