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“所谓的中小企业贷款难,就是抵押难和反担保难。” 对于发展中的绝大多数中小高新技术企业来说,资金不足是一个普遍的难题。从中小企业的发展来看,在研发和中试阶段依靠自有资金和企业积累尚可缓解资金压力,但进入规模化发展阶段后,则将面临巨大的资金缺口。上述情况的出现,原因就在于科技型中小企业在创业初期往往规模小、风险大,没有足够的资产进行抵押,而银行的传统信贷模式又无法适应中小企业的高风险特征,从而造成了信贷工作
“The so-called SME loans difficult, is difficult to mortgage and counter-guarantee. ” For most small and medium high-tech enterprises in development, lack of funds is a common problem. From the point of view of the development of small and medium-sized enterprises, it is still possible to ease the financial pressure by relying on the self-owned funds and the accumulation of enterprises during the R & D and pilot-test phase. However, after entering the stage of large-scale development, it will face a huge funding gap. The above situation arises because the small and medium-sized technology-based SMEs tend to be small-scale and risky in the early stages of their business and do not have enough assets to charge them. However, the traditional credit model of banks can not meet the high-risk characteristics of SMEs, resulting in credit work