Legal analysis: the financing problem of small and micro enterprises: 1, and the funding channels are very limited. 2. The financing cost of micro-enterprises is high. 3. The rising loans and asymmetric information restrict the micro-credit business. 4. Small and micro enterprise credit products are not targeted enough. 5. The development of loan companies and Internet finance is facing difficulties.
Legal basis: Article 6 of the General Principles of Loans: The issuance and use of loans shall comply with national laws, administrative regulations and orders and rules issued by the People's Bank of China, and follow the principles of efficiency, safety and liquidity in the use of funds.