近年来,小微企业数量逐渐增多,在市场经济中发挥着越来越重要的作用。然而,小微企业融资能力是企业发展的关键。本文从小微企业融资能力的影响因素入手,着重分析小微企业融资能力低的原因,探索小微企业的融资策略,以促进小微企业健康发展。 In recent years, the number of small and micro enterprises has gradually increased, playing an increasingly important role in the market economy. However, the ability of small and micro enterprise financing is the key to enterprise development. This article starts with the influential factors of the financing ability of small and micro enterprises, focuses on the reasons of low financing ability of small and micro enterprises, and explores the financing strategies of small and micro enterprises in order to promote the healthy development of small and micro enterprises.