Based on the understanding of small micro industry present situation and causes of the financing difficulties, we have to solve the financial difficulties through a model of innovation. Our concern here is to solve the asymmetric information problem. Therefore, a new mode is needed to realize the information gathering, data mining and analysis functions. This research is on the information and network environment through business model innovation to solve the problems of asymmetric information between the bank and the enterprise, and credit financing to break through the bottleneck of small and micro businesses.%在理解小微业融资困境现状和成因的基础上，通过创新一种模式来破解融资困境，关注点是解决非对称信息问题。因此，新的模式要实现信息聚集、数据挖掘和分析的功能。文章探讨的是在信息和网络环境下如何通过商业模式创新解决银企之间的信息非对称问题，破解小微企业信贷融资瓶颈。
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