多年来,无论是大银行小银行都在探讨如何解决“中小企业融资难”的问题。去年国家从宏观层面正式提倡大力支持中小企业发展的指导意见后,银行开始大面积、多层面的做大做强中小企业贷款。尤其是对国有大型银行而言,大力发展中小企业贷款和个人贷款,成为推进经营转型和信贷结构调整的有效途径。 Over the years, both small banks in big banks have been discussing ways to solve the problem of “difficulty in financing small and medium-sized enterprises.” Last year, when the country formally advocated the macroeconomic guidance that strongly supported the development of small and medium-sized enterprises, the banks started to expand and strengthen SME loans in large areas and at multiple levels. Especially for large state-owned banks, vigorously developing loans for SMEs and personal loans has become an effective way to promote the restructuring of operation and credit structure.