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The problem of financing difficulties has always been the bottleneck of restricting the existence and development of the small microenterprise. The article mainly discussed how to solve the problem of financing difficulties, and the innovative development of the small micro-finance. It also suggests that the small and medium-sized banks should seize the opportunity, adopt the idea of big data analytics, and speed up self-reform with the help of the Internet finance in order to work out a win-win road with the small-micro enterprise.

The Innovation and Development of the Small Micro-finance: the road to a Win-win Situation of Small Micro-enterprise and Small and Medium-sized Bank