小型和微型企业在促进经济增长、增加就业方面具有重要作用,他们面临的最大困难是缺少资金。通过对肇东市50家小微企业的调研发现,解决小微企业融资难问题,银行必须提高贷款投放效率;简化信贷业务资料;充分考虑企业的承受能力确定贷款利率;对小微企业信贷业务风险管理按照大数定律实行比例化管理。政府应建立完善的小微企业信息系统;加强小微企业规范运行的监管力度;建立完善的以信用担保体系为核心的政策扶持体系;适当降低小企业贷款计入银行一般风险资产权重。通过政府和金融机构的大力支持,才能有效解决小微企业的融资难问题。%Small and micro businesses play an irreplaceable role in accelerating economy and job growth. The biggest di~eulty they usually face is the lack of investment. After investigating 50 small and micro businesses in Zhaodong, we found that to resolve the fi- nancing problem, banks must enhance the loan issuing efficiency, simplify the required files, specify the loan interest rate with a full consideration to the capacity of enterprises, and conduct proportioned risk management to these enterprises in accordance with the law of large numbers. The government should set up a complete information system for small and micro businesses, strengthen the supervision on the operation of these enterprises, establish a sound policy support system centering on the credit guarantee institution, and to some extent lower the weight of small and micro businesses as risk assets of banks. Only by the mutual supports from the government and banks can the financing problems of small and micro businesses be resolved.
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