The lack of funds for small and micro enterprises is a common problem, and the lack of money to borrow is a must for its development. There are few financing channels, insufficient experience, and internal financing is risky. Due to trust issues, the expansion of external financing channels for small and micro enterprises is also struggling. With a little care, it is easy to form an imperfect industrial chain. Although there are common financing methods such as stocks and bonds, these are not suitable for small and micro enterprises. It can be seen that the phenomenon of small and micro-enterprise financing is single and not easy to raise.