For a long time, China's Small and micro businesses lack financial services. The problems of difficulties in financing are common and difficult to solve. Internet finance is a finance innovation in the background of China's"financial repression". It can meet the financial demand of hundreds of small and micro enterprises and individual to achieve the complementary with the existing formal financial services in a certain extent. Therefore, there is a symbiotic nature between Internet finance and small and micro enterprises. The symbiotic relationship between the two using Financial Symbiosis Theory is analyzed. First, it expounds the present situation of Internet finance and small and micro enterprises in China, based on the introduction of the Financial Symbiosis Theory. Then, it analyzes the formation mechanism of the symbiosis of the two. Finally, the problem of the symbiotic relationship between the internet finance and small and micro enterprise finance is considered through the use of theoretical analysis, empirical analysis and other methods, and put forward some suggestions to promote the harmonious coexistence of the two. The basic conclusion is that the Internet finance and small and micro enterprise finance have a natural inherent nature, and promoting the common development of the two is another important path of the overall financial innovation.%长久以来, 我国小微企业金融服务不足, 融资难、融资贵问题普遍存在并难以解决. 互联网金融是在我国"金融抑制" 的大背景下产生的, 从诞生之始就是为了满足经济中大量小微企业和个体的金融需求, 一定程度上实现了与现有正规金融服务的互补. 因此, 互联网金融与小微企业具有天然的共生性. 文章基于金融共生理论的视角, 对互联网金融与小微企业金融服务的关系进行研究. 在引入金融共生理论的基础上, 简要阐述了我国互联网金融与小微企业金融现状, 进而深入分析了二者共生关系形成机理. 通过理论分析、实证分析等方法, 归纳互联网金融与小微企业金融在共生关系成长中的问题, 从而有针对性地提出促进二者和谐共生的相关建议. 研究得出的结论为互联网金融与小微企业金融具有天然内在共生性, 促进二者共同发展是整体金融创新的另一重要路径.
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