The healthy development of micro-enterprise shows a significant for enhance economic growth，transform the development mode and maintain social harmony and stability in New Normal. The micro-enterprise has become an important basis for the economic development in Henan province recently，but the problem of low debt probability and high cost of financing is still outstanding，especially show in low support level，high financial cost，single financial service content，and lack risk sharing mechanism. Therefore，it is need to expand the small micro-enterprise financing channel，optimize the financial services environment，and improve the ability and level of financial services for the development of micro-enterprise continuously in the future.