Financing problems of small and micro enterprises under digital Inclusive Finance

Su Nie, Xiangjun Zhou, Qian Liu


small and micro enterprises are the main body of Inclusive Finance and the main direction of its development. “Diffi cult
and expensive fi nancing” has hindered the development of small and micro enterprises. Inclusive Finance is a fi nancial service that takes
into account the common interests of banks and banks and can better meet the financing needs of small and micro enterprises. Taking
Inclusive Finance as the breakthrough point, this paper focuses on the challenges faced by small and micro enterprises, such as the imperfect
regulatory system, the turmoil of private fi nance, and the diffi culties in the development of the guarantee industry. Under the background of
digital Inclusive Finance, the author puts forward solutions to the fi nancing problems of small and micro enterprises, so as to promote the
healthy development of small and micro enterprises.


Digital HP fi nance; Small and micro enterprises; Financing; countermeasure

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[1] Qixin Wang Research on the entrepreneurial eff ect of digital Inclusive Finance on regional small and micro enterprises -- Based on the intermediary eff ect

of entrepreneurial environment [j]China business theory, 2022, no.869 (22): 120-123

[2] Xinhua Xu Research on the development of small and micro enterprises supported by digital Inclusive Finance -- Based on the sample data of 236 small

and micro enterprises in Shandong [j]Science and technology entrepreneurship monthly, 2022,35 (12): 49-53



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