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当前,制约中小企业发展的突出问题是贷款难。这个问题尽管已引起有关方面的高度重视并在设法解决,但不尽如人意。究其原因,中小企业贷款难虽然与金融部门工作中的问题有关,但最根本的是金融体制问题。商业银行一般不愿为中小企业提供信贷服务,这是商业银行的性质决定的。另外,我国现有3个政策性银行,分别承担为农副产品收购、
At present, the outstanding problem that restricts the development of small and medium-sized enterprises is the difficulty in lending. Although this issue has aroused the attention of the parties concerned and is trying to solve it, it is not satisfactory. The reason for this is that while it is difficult for SMEs to borrow money, it is related to the problems in the work of the financial sector. However, the most fundamental issue is the financial system. Commercial banks are generally reluctant to provide credit services to SMEs, which is determined by the nature of commercial banks. In addition, there are three policy banks in our country, each undertaking the acquisition of agricultural and sideline products,