受宏观经济下行、企业产能过剩及经济结构调整持续推进等因素影响,近年来,商业银行不良贷款呈持续增长态势,2016年第一季度末不良贷款率为1.75%。而小微企业由于规模小、抗风险能力弱,在经济高速发展阶段,部分企业盲目扩张产能,在经济增速放缓时期,企业盈利能力下降、债务风险不断积累和暴露等问题不断涌现。同时,小微企业之间往往通过联保互保形式形成复 Affected by such factors as the macroeconomic downturn, the overcapacity of enterprises and the continuous promotion of economic restructuring, the non-performing loans of commercial banks showed a continuous increase in recent years. The non-performing loan ratio at the end of the first quarter of 2016 was 1.75%. However, due to their small size and weak anti-risk capability, some small and micro enterprises blindly expanded their production capacity during the period of rapid economic growth. During the period of slow economic growth, the profitability of enterprises declined and the debt accumulation and exposure continued to emerge. At the same time, small and micro enterprises often form a complex form of mutual insurance and mutual insurance