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中小企业贷款难、担保难应该说是一个世界性的话题,但在我国更显得突出。对中小企业贷款担保难的问题怎么认识、难在哪里、如何解决?这里有企业自身、银行体制、政府政策、思想观念等多方面的原因。我个人认为,贷款难、担保难,难在10个方面:一难在信用目前我们全社会的信用体系建设严重滞后,对中小企业,特别是对中小企业“一把手”的信用状况无从纪录,更不用说管理。
SME loans difficult, guarantee is difficult to say should be a worldwide topic, but more prominent in our country. How to solve the problem of small and medium-sized enterprise loan guarantee? Where are the enterprises themselves, the banking system, government policies, ideological concepts and many other reasons. I personally think that it is difficult to guarantee loans and loans in 10 aspects: a hard time in credit The credit system of our society is now seriously lagging behind. There is no record of the credit status of SMEs, especially SMEs. Not to mention management.