难一:银行贷款难我国目前的金融环境处于新旧体制接轨,许多规章制度不完善不规范,对中小企业的政策扶持多流于口号、形式,一直就说的多,做的少,金融扶持不到位,中小企业难以获得银行的信贷支持。据调查,中小企业贷款数额为大中型企业的0.5%左右,但 Difficult to: Bank loans Difficulties China's current financial environment in the old and new systems, many of the rules and regulations are not perfect norms, many of the policy support for SMEs flow in the slogan, form, has been saying more, less done, financial support is not In place, it is difficult for SMEs to obtain bank credit support. According to the survey, SME loans amount to about 0.5% of large and medium-sized enterprises, however