1, small and micro enterprises own obstacles.

2. From the financial point of view, many small and micro enterprises do not have thorough financial information, do not prepare financial statements, and lack good management of cash, accounts receivable and inventory. , resulting in idle funds and tight funds.

3. From the management point of view, small and micro enterprises in China are generally family-owned enterprises or individual industrial and commercial households, and generally have not established norms.

4. Credit policy of commercial banks Commercial banks are reluctant to lend to small and micro enterprises.