摘 要:改革开放以来，我国小微企业的发展势头迅猛，遍地开花，在数量上以绝对优势领跑其他企业，并且覆盖了社会经济的各个领域，是极具潜力的新经济增长点之一。小微企业贴近客户，贴近市场，以其对市场的敏锐触觉，灵活多变的经营方式，满足了市场多样化的需求，成为繁荣市场的积极动力。但是作为中国GDP的最大贡献者—小微企业，它的发展却受到了金融扶持的冷落，“融资难”成为困扰小微企业生存发展的一大难题。发达国家的经验以及改革开放的实践都表明，小微企业在国民经济发展中起到了举足轻重的作用。如何深入挖掘和释放小微企业的经济潜力，关键之一在于解决小微企业融资难的问题。浙江省金华市身处东部地区长三角地带，拥有义乌国际小商品城，永康小五金城，浦江水晶城多个小微企业商业圈，是研究小微企业的典型区域。文章主要通过对浙江省金华市小微企业融资状况的调研，以数据为基础，立足于实际，阐述了金华市小微企业的融资现状，描述了金华市小微企业的融资调查结果，通过建立的数据模型分析了影响小微企业融资的因素，从各个行为主体深层次分析小微企业融资困境的原因，并且根据调查分析结果探究突破小微企业融资瓶颈的对策。

关键词：小微企业； 融资难 ；二元logistic模型 ；对策

Abstract:Since China's reform and opening up,small & micro-enterprises develop rapidly,which blooming everywhere.Not only do their number leads other companies in absolute advantage,but they cover various areas in economy.The small & micro-enterprises become a potential new economic growth point. The small & micro-enterprises close to customers,close to the market.They meet various market demands and promote market prosperity with their acute market sensitivity,flexible operation.But as the biggest contributors to GDP in china,their obtained financial support is not commensurate with their contribution.So far,difficulty in financing becomes a very big problem for the survival and the development of small & micro-enterprises.The experience in developed country and the practice of reform and opening up show the small & micro-enterprises play an important role in the nation economy.The key to release economic potential of small & micro-enterprises is to solve the financing problem.The city of Jinhua which belonging to zhejiang province is an important zone in Chang-triangle area.It gathers a lot of famous business circles, such as Yiwu International Trade City,Yongkang hardware city,Pujiang crystal city and so on. So Jinhua is a typical area for the research of small & micro-enterprises. By means of the survey, the article states the present financing situation of small & micro-enterprises,describes the results of the survey of small & micro-enterprises in jinhua.With analytical models, the article analyses the influencing factors of financing of small & micro-enterprises based on real data.On this basis, the article analyses the reason of small & micro-enterprises' financial difficulties.According to the analysis,the article tries to explore the measures to break financing bottleneck of small & micro-enterprises.

Keywords: small & micro-enterprises; problem of financing difficulty; binary logistic model; measures