科技和金融更好双向奔赴（编辑点评）

Core Insights - The financing challenges faced by small and micro enterprises are primarily due to information asymmetry between banks and businesses, high communication and due diligence costs, lack of hard collateral, and high loan risks [1] Group 1: Financing Challenges - Information asymmetry leads to difficulties in communication and high due diligence costs for banks [1] - Small enterprises often lack hard collateral, making it difficult to assess the value of intangible assets [1] - High perceived loan risks contribute to the reluctance of financial institutions to lend to small businesses [1] Group 2: Support Strategies - Financial institutions need to enhance their engagement with small and micro enterprises, particularly in technology sectors, to facilitate their growth and innovation [1] - Strengthening on-site visits and direct communication can help build trust and better understand the needs and challenges of businesses [1] - Innovative technological solutions, such as developing models for precise business profiling and smart credit rating, can improve service accuracy [1] Group 3: Current Trends - In the first three quarters of this year, there has been significant support for inclusive financing for small and micro enterprises, with a continuous decline in financing costs [1] - The "14th Five-Year Plan" period is expected to see more collaborative efforts between technology and finance sectors [1]