小额信贷问题一直困扰着中小企业的发展，其中主要原因是小额信贷信用体系建设不完善，以及信用评级过程中缺乏综合考虑相关产业的生态环境。信用是产生在产业环境中的，只有在授信过程中，把信用和产业生态相结合，才能够较好地解决小额信贷的信用问题，进而也才能有助于中小企业从融资难的困境中解脱出来。%Microcredit financing problem has plagued the development of micro, small and medium-sized enterpri-ses, and the main cause for it is that the construction of microfinance credit system is not perfect and that related in-dustrial ecological environment is not considered in the credit rating process. Because credit comes out of the indus-trial environment, only by combining credit with industrial ecology can we solve the credit problems of microfinance, and further make micro, small and medium-sized enterprises free from the financing predicament.
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