中文摘要：

小微企业是我国经济发展中的重要力量。融资难问题一直是制约和阻碍小微企业发展的瓶颈。有效解决融资难问题需要从社会各个方面着手，通过对现有制度和资源进行整合和创新，为小微企业发展和融资提供便利，同时积极推动商业银行内部进行组织结构、信贷流程、信贷产品和风险管理等有效的金融创新，拓展小微企业融资渠道，只有充分调动各方的力量，才能有效解决小微企业融资难的问题。

英文摘要：

The small micro-enterprise is an important force in China＇s econonaic development. The problem of financing has been the constraints and bottlenecks hinder the small micro-enterprise development. Effective solution to the problem of financing need to proceed with all aspects of society, through integration and innovation of the existing systems and resources to facilitate and actively promote the commercial banks＂ internal organizational structure, the credit process for small micro-enterprise development and financing, credit products and effective risk management, financial innovation, expansion of small micro-enterprise financing channels, only to fully mobilize the power of the parties, in order to effectively solve the unique problem of small micro-enterprise financing.