贷款作为企业寻求资金支持的重要手段,在企业的经营发展具有举足轻重的作用,但因受社会环境、信用观念等因素的影响,小企业贷款还需迈过以下四道坎。一是需要迈过银行市场准入这道坎。目前在大客户和大市场观念的影响下,出于安全性的考虑,国有银行和股份制银行在信贷管理上都实 Loans, as an important means of finding financial support for enterprises, play an important role in the development and management of enterprises. However, due to the influence of social environment and credit concept, loans for small enterprises need to go through the following four hurdles. First, we need to cross the threshold of banking market access. Currently under the influence of big clients and big market concepts, for safety reasons, state-owned banks and joint-stock banks are both in credit management