中文摘要：

小微企业融资难的根本原因在于企业自身信用问题以及企业和金融机构之间的信息不对称问题。从系统分析的角度来看。小微企业征信体系对企业信用水平和信息的对称性有直接影响。目前我国小微企业征信体系建设存在诸多问题．解决这些问题，首先要建立从征信数据采集到征信数据形成和征信报告运用的小微企业征信数据系统，其次还要从企业自身管理、征信法制、征信市场、征信人才培养等方面完善保障体系建设。

英文摘要：

The basic reason for the difficulty of financing of SME lies in the enterprise＇s own credit and the information asymmetry between enterprises and financial institutions. From the perspective of system analysis, the SME credit system has a direct impact on the level of enterprise credit and the symmetry of information. At present, there are many problems in SME credit system, and to solve these problems, we should first establish the SME credit information system, which is used to form and report the credit data. Secondly, we should improve the management of enterprises, legal system of credit, credit market and the cultivation of credit Talent.