小微企业金融服务事关广大群众的就业问题、吃饭问题以及社会安定问题。近年来,银监会通过出台多项正向激励政策、实施差异化监管等举措,积极推动改善小微企业金融服务,使小微企业信贷总量持续增加,小微企业金融服务覆盖面不断拓宽。但部分地区仍反映存在小微企业贷款难、贷款贵的问题。这些问题既在微观上与小微企业公司治理不完善、内部管理不健全、主营业务不 The financial services of small and micro enterprises concern the employment of the broad masses of the people, the problems of eating and social stability. In recent years, the CBRC has taken initiatives such as positive incentive policies and differentiated regulation to actively promote the improvement of financial services for small and micro-enterprises so that the total amount of credit for small and micro-enterprises continues to increase while the coverage of financial services for small and micro enterprises continues to broaden. However, some regions still reflect the problem of the difficulty of small and micro-sized enterprises in getting loans and loans. These problems are not only micro-management of small and micro-enterprises with imperfect, internal management is not perfect, the main business is not