当前中小企业融资难受到社会的广泛关注,有观点认为,中小企业融资难的重要原因是,商业银行特别是国有商业银行以国有企业为主要服务对象,不愿为中小企业提供贷款,因而应强制规定商业银行对中小企业的贷款比例,商业银行对中小企业贷款应一律执行下浮利率,以降低 At present, SME financing is hard to be widely concerned by the society. Some people think that the important reason why SME financing is difficult is that commercial banks, especially state-owned commercial banks, take state-owned enterprises as the main target and are reluctant to provide loans to SMEs. Therefore, they should be forced Provisions for commercial banks to SMEs in the proportion of loans, commercial banks loans to SMEs should be implemented all the downward interest rates to reduce