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近年来，中小企业融资较为困难，这是因为，一是国有商业银行强化总行一级法人地位，实行授权投信制度，上收或部分上收基层行的放贷权；二是前几年部分企业的不规范改制，造成银行信贷资产的大量流失，企业信誉下降。金融机构对贷款的审批更加严格，贷款要求必须有担保和抵押
In recent years, SME financing is more difficult because, firstly, the state-owned commercial banks have strengthened their status as a legal person in the head office and put in place a system of authorization and trust to accept or approve the lending rights of grass-roots banks; secondly, some of the enterprises Non-standard restructuring, resulting in a large loss of bank credit assets, corporate credit decline. Financial institutions to approve loans more stringent, loan requirements must be secured and mortgaged