摘要:伴随着我国经济的持续快速增长，小微企业在数量和质量上得到了长足发展。同时，对国家经济增长贡献越来越大。在全国所有企业的占比中，小微企业的数量占到企业总数的97.3%，创造的最终产品和服务价值相当于GDP总量的60%纳税占国家税收总额50%，是我国国民经济和社会发展的重要组成部分，已经成为解决劳动就业的主要渠道。然而小微企业融资难一直是困扰其生存和发展的瓶颈，解决小微融资难的问题是一个重要而又紧迫的问题。本文把限制我国小微企业发展的关键因素之一信贷融资问题作为主要内容。首先，对我国小微企业的相关定义、理论进行概述，其次从小微企业的特点出发，详细地分析了小微企业的融资现状，从中找出小微企业信贷融资的困境原因。即从企业自身的原因，信用观念差、担保物少等方面入手，结合我国的金融体制、担保机制等宏观环境分析，明确企业信贷融资的内部和外部主要影响因素。最后提出了促进小微企业信贷融资的对策建议，主要是从政府、小微企业自身和相关金融机构方面提出对策。

关键词：小微企业；信贷融资；现状；对策

ABSTRACT:Along with our country economy sustained and rapid growth, in quantity and quality has been great progress. At the same time, the contribution to national economic growth is more and more big. All across the country, in the enterprise in the proportion of small micro enterprise quantity accounted for 97.3% of the total, Create the final product and service value tax equivalent to 60% of GDP accounted for 50% of the total national revenue, is an important part of national economy and social development in our country has become the main channel to solve the labor employment. However small micro enterprise financing difficulty is always the bottleneck of their survival and development, solve the problem of financing problems of small micro is an important and pressing problem. so the paper is focused on the credit finance has played an important role in the small and micro-enterprises. First, the relevant definition of small micro enterprises in our country, theoretical overview, secondly according to the characteristics of small & micro enterprise and small micro enterprise financing present situation is analyzed in detail, trying to find the plight of small micro enterprise credit financing, including internal and external main reason. From the enterprise's own reasons, poor credit concept, less collateral, etc, combined with our country's financial system, the guarantee mechanism of macro environment analysis, clear enterprise internal and external main influencing factors of the credit financing. From the enterprise's own reasons, poor credit concept, less collateral, etc, combined with our country's financial system, the guarantee mechanism of macro environment analysis, clear enterprise internal and external main influencing factors of the credit financing 

Keywords：Small & Micro-enterprises; Credit Financing; Status; ountermeasures