“小微企业融资难”并不是一个新鲜的话题,俨然已成为当前经济金融活动中的“痼疾”。幸运的是,作为带动大众创业、促进经济增长的重要推动力量,小微企业的成长正受到越来越多的关注,各方纷纷对小微企业遇到的融资困境建言献策、伸出援手。融资难、融资贵的现象在一些地区和领域呈现缓解趋势。如今,国务院高度重视大众创业、万众创新,可以预见,小微企业将如雨后春笋般涌现,融资需求也会日趋旺盛,掘金小微金融业务“蓝海”也成为金融机构面临的一大机遇, “Small and micro enterprise financing difficulties ” is not a fresh topic, it seems to have become the “disease ” in the current economic and financial activities. Fortunately, the growth of small and micro-enterprises is receiving more and more attention as an important driving force that drives the public to start their own businesses and promote economic growth. All parties are giving advice and helping hands to the financing difficulties encountered by small and micro enterprises. Financing difficulties and high financing costs have shown a tendency to ease in some areas and areas. Nowadays, the State Council attaches great importance to entrepreneurship and innovation. It is foreseeable that small and micro enterprises will spring up and their financing needs will also become increasingly prosperous. The Nuggets micro-finance business “Blue Ocean” has also become a major opportunity for financial institutions,