It is the theme of economic development to get rid of poverty and prompt the national wealth increase，which is not easy.The poverty always goes with the famine.Sen put forward the“entitlement approach”，which nearly negate the FAD's famine explanation.The entitlement approach emphasizes the importance of the market，social justice in settling with the famine or other disaster.In the reality the micro and small enterprise（MSE for short）are going through“famine”.It's difficult to get the loan for them，which also reflect their strong finance demand.

From the entitlement approach，the main factor that influence the MSE financial entitlement andavailability can be categorized as：the MSE own endowment，financial mapping system and monetary resource，which play the different role in the financial entitlement.The endowment plays a basic role.The financial entitlement system determine how much money the endowment map.The allocation of the monetary resource has influenced the credit scarcity in the MSE credit market.

In the MSE endowment，current asset and fixed asset etc.visible endowment plays a greater role than other endowment in the finance.Although technique，production management ability begin to work in the enterprise finance，which shows the MSE finance is turning better，but the improvement is limited.The traditional mortgage loan method has relaxed，which improve the MSE financial entitlement.In the MSE financial entitlement mapping system，it exerts a direct function on the MSE financial availability.The policy-maker can optimize the financial entitlement system，the system elasticity is changing with the system optimization. The policy-maker can push the financial entitlement mapping system transition by turning around the discrimination on the MSE，financial institutional diversification and loan supply capability culture.The system transition effectively improve the MSE financial entitlement.The loan rate liberalization further released the MSE credit liveliness，which effectively create the beneficial condition.The micro level of the entitlement mapping system are the institution and information production.There is no advanced financial method.The institution can only make information production division to supply loan according to its own information structure. By the institution compare，all the new rural financial institutions can get a good performance.Also the commercial bank obey the information production principle.In the financial entitlement analysis of the currency resource，we can discover that the currency amount did not reduce the financial availability，but the allocation of the currency resource and the market power impede the financial entitlement improvement.

In the end，the study demonstrates that an effectively functioning credit market is better than the government intervene and subsidy.The best role for the government is not to control the market，but construct a better credit market，which improve the MSE financial entitlement.The MSE financial situation improvement need a many-sided coordination. It's necessary that cultivate the MSE endowment market，which raises the endowment liquidity.The financial institutional diversification can raise the financial market competition.The innovation and propagation of the microcredit technique are also necessary.

Key Word：entitlement approach，the micro and small enterprise，financial entitlement，entitlement mapping

It is the theme of economic development to get rid of poverty and prompt the national wealth increase，which is not easy. The poverty always goes with the famine. Sen put forward the“entitlement approach”，which nearly negate the FAD's famine explanation. The entitlement approach emphasizes the importance of the market，social justice in settling with the famine or other disaster. In the reality the micro and small enterprise（MSE for short）are going through“famine”. It's difficult to get the loan for them，which also reflect their strong finance demand. From the entitlement approach，the main factor that influence the MSE financial entitlement andavailability can be categorized as：the MSE own endowment，financial mapping system and monetary resource，which play the different role in the financial entitlement. The endowment plays a basic role. The financial entitlement system determine how much money the endowment map. The allocation of the monetary resource has influenced the credit scarcity in the MSE credit market. In the MSE endowment，current asset and fixed asset etc.visible endowment plays a greater role than other endowment in the finance. Although technique，production management ability begin to work in the enterprise finance，which shows the MSE finance is turning better，but the improvement is limited. The traditional mortgage loan method has relaxed，which improve the MSE financial entitlement. In the MSE financial entitlement mapping system，it exerts a direct function on the MSE financial availability. The policy-maker can optimize the financial entitlement system，the system elasticity is changing with the system optimization. The policy-maker can push the financial entitlement mapping system transition by turning around the discrimination on the MSE，financial institutional diversification and loan supply capability culture. The system transition effectively improve the MSE financial entitlement. The loan rate liberalization further released the MSE credit liveliness，which effectively create the beneficial condition. The micro level of the entitlement mapping system are the institution and information production. There is no advanced financial method. The institution can only make information production division to supply loan according to its own information structure. By the institution compare，all the new rural financial institutions can get a good performance. Also the commercial bank obey the information production principle. In the financial entitlement analysis of the currency resource，we can discover that the currency amount did not reduce the financial availability，but the allocation of the currency resource and the market power impede the financial entitlement improvement. In the end，the study demonstrates that an effectively functioning credit market is better than the government intervene and subsidy. The best role for the government is not to control the market，but construct a better credit market，which improve the MSE financial entitlement. The MSE financial situation improvement need a many-sided coordination. It's necessary that cultivate the MSE endowment market，which raises the endowment liquidity. The financial institutional diversification can raise the financial market competition. The innovation and propagation of the microcredit technique are also necessary. Key Word：entitlement approach，the micro and small enterprise，financial entitlement，entitlement mapping（AI翻译）