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目前的银行审批体系中,小微企业想要获取贷款,最少要经过三关:第一和贷款时点上银行的流动性有关,也就是说,要看银行究竟有无资金进行放贷;第二是小微企业能否达标审核标准,比如是否有房产抵押物等;第三是金融机构自身进行的风险评估,最终确定企业能否符合该行风控体系的要求。而在这当中,能否达标审核标准是小微企业能否获得贷款则是关键一环。对此,有民营企业主表示,并非是他们不愿
In the current bank examination and approval system, small and micro-enterprises want to obtain loans at least through three stages: firstly, the liquidity of the banks when the loans are made, that is, whether or not the banks have the funds to lend; second Is whether small and micro enterprises can meet the audit standards, such as whether there is real estate mortgages, etc .; third is the risk assessment conducted by the financial institutions themselves, and ultimately determine whether the company can meet the requirements of the bank’s risk control system. Among these, whether or not the audit standard is met is the key to whether small and micro enterprises can get loans. In this regard, some private business owners said it was not because they did not want to