阜阳师范大学信息工程学院本科生毕业论文（设计）题目：我国小微企业融资难题与对策学生姓名：苏婷学号：2018031527系别：经济管理系专业：金融工程指导教师：杨冰清职称：完成日期：年月日诚信承诺书我谨在此承诺：本人所写的毕业论文《我国小微企业融资难题与对策》均系本人独立完成，没有抄袭行为，凡涉及其他作者的观点和材料，均作了注释，若有不实，后果由本人承担。承诺人（签名）：苏婷年月我国小微企业融资难题与对策摘要：我国小微企业融资难题一直突出，究其原因主要是其自身缺陷和外部不利环境引发的。近年来，伴随着互联网技术的普及和突如其来的新冠肺炎疫情的冲击，该问题进一步凸显。因此，结合当下互联网背景下的网络金融形式，小微企业必须及时改变和创新融资方法，拓宽融资渠道。基于此背景下，从内部因素、外部因素两方面对该问题产生的原因进行了剖析。最终从小微企业自身、融资发展模式、金融体系三方提出具体的建议，进而得出可以有效解决小微企业融资难题的结论。关键词：小微企业；融资：互联网时代：新冠肺炎疫情：新兴金融科技：传统金融服务：金融体系Google Financing Problems and Countermeasures for Small andMicro Enterprises in ChinaAbstract:The financing problem of small and micro enterprises in my country has been prominent,and the main reasons are caused by their own shortcomings and theexternal unfavorable environment.In recent years,with the popularization of Internettechnology and the impact of the sudden COVID-19 epidemic,this problem has beenfurther highlighted.Therefore,combined with the current network financial form under the background of the Internet,small and micro enterprises must change and innovate financing methods in time to broaden financing channels.Based on this background,the paper analyzes the causes of the problems,which mainly lie in the following twoaspects:internal factors and external factors.Finally,specific suggestions are put forward from the three parties of small and micro enterprises themselves,financing development mode and financial system,and then the conclusion that the financing problems of small and micro enterprises can be effectively solved is drawn.Keywords:small and micro enterprises;financing;Internet era;COVID-19 epidemic;em