Legal analysis: The main financing methods for small and micro enterprises are:

1. Loans secured by intangible assets: According to the relevant provisions of the Civil Code, exclusive rights to trademarks, patents, Intangible assets such as property rights in copyrights can be used as collateral for loans.

2. Natural person guaranteed loans Natural person guarantees can take the form of mortgage, rights pledge, or mortgage plus guarantee. Mortgage plus guarantee means that on the basis of property mortgage, the mortgagor's joint liability guarantee is added. If the borrower fails to repay the entire loan principal and interest on time or other defaults occur, the bank will require the guarantor to perform its guarantee obligations.

3. Financial leasing: Through financial leasing, enterprises can use small-star funds to obtain the required advanced technology and equipment, and can produce and pay rent at the same time. For enterprises lacking funds, financial leasing can be regarded as accelerating investment. , A good way to expand production:; For enterprises with a backlog of certain products, financial leasing can be a good way to promote sales and expand the market.

Legal basis: "People's Republic of China and Civil Code" Article 735 A financial lease contract is a contract in which the lessor purchases the leased object from the seller based on the lessee's selection of the seller and the leased object, provides it to the lessee for use, and the lessee pays rent.