摘要：近几年中，小微企业异军突起，逐渐占据了我国GDP的大半江山，但这个特殊群体所存在的融资问题却一直是一个难以突破的瓶颈，它深深遏制了我国小微企业的进一步发展。同样，伴随着在2013年7月国务院颁发的“金融十条”，民营银行也再次整个社会关注的焦点，然而，不管是监管问题还是人们关于存款安全性的担忧，都是民营银行必须面对的课题。作为同样的“草根”出身，社会上一直流行着民营银行与小微企业有着共生性等等的论调，本文对此展开讨论，通过列举数据、相互比较等方法探讨两者是否存在着互相促进的关系，小微企业的融资困境是否能如愿随着民营银行的设立而改善，民营银行又是否愿意主动请缨担当起小微企业的主要融资对象，并利用自己独特的优势在帮助小微企业的过程中实现互利共赢，二者又应该如何改善以及发展自身来推进彼此等一系列问题。

关键字：小微企业 民营银行 融资环境 共生性

Abstract: In recent years, the sudden emergence of small and micro enterprises, they gradually occupied the country most of the country's GDP. But the financing problem of this special group has been difficult to break through the bottleneck, it deeply curb the further development of small and micro enterprises. In the same time, along with the July 2013 issued by the State Council "financial Ten", private banks are once again the focus of attention of the whole society. But private banks also has many challenges, not only regulatory issues, but also the issue people worry about the safety of deposits, all this has become the focus of the whole society. Born as the "grassroots", private banks were always being discussed that they have the same nature as the Small and micro businesses do. So it will be discussed in this article, over cited data, compared with each other and other methods to explore whether there is a relationship between the two mutually reinforcing, whether the financing difficulties of small and micro enterprises to do so with the establishment of private banks to improve, Private banks willing to have volunteered to take on major financing target small and micro enterprises, and use its unique strengths to achieve mutual benefit and win-win with the help of small and micro enterprises, how should both improve and develop their own series of questions to advance each other.

key words: Small and micro businesses  The private bank  Financing environment Symbiosis