Because traditional financing methods are not friendly to small micro-enterprises, they will face more financing costs. The management of small micro-enterprises is not perfect, limited in scale, insufficient strength, in dealing with external influences often lack of effective emergency response, therefore, small micro-enterprise financing is facing greater risks. In addition, the financial management of many micro-enterprises is not perfect, can not produce complete and reliable financial statements and bank records in a timely manner, in the financing audit credit problems and can not obtain financing, or increase the cost of financing.
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