中文摘要：

小微企业是给力国民经济的“轻骑兵”，随着大众创业、万众创新和“互联网＋”新时代来临，小微企业迎来新一股发展机遇。但由于市场信息不对称等原因，小微企业融资行为面临着严重的融资约束。通过对196家小微企业的问卷调查，结合调查数据对融资现状进行描述；分别用融资结构理论、融资约束理论分析小微企业融资受到约束的原因，主要体现为银行惜贷、融资成本高以及小微企业自身弱点等问题；最后提出化解约束、优化融资行为的外部政策和企业内部管理两方面对策建议。

英文摘要：

Small-micro enterprisesfunction as the ＂ light cavalry＂ in economic development. With the coming of public en- trepreneurship, peoples innovation and ＂ Internet ＋＂, small micro enterprises usher in a new development opportunity. However, due to reasons such as market information asymmetry, small micro enterprise financing behavior is facing seri- ous financing constraints. This paper, based on the survey of 196 small-micro enterprises, describes the present financing situation and analyzes the restrained reasons with the theory of financing structure and financing constraints as the bank- reluctance to lend, high cost and weakness of small-micro enterprise. It also puts forward countermeasures and sugges- tions from the external policies and the internal management of enterprise to resolve financing constraints as well as opti- mize the financing behavior.