在对陕西省200多家小企业的调查中发现,全省小企业实际融资量还不到需求量的1/4。究其根本原因,在于绝大多数小企业无法提供有效担保而难以从金融机构获得贷款。“这里的小企业规模小,抵押资产不足,银行业金融机构就是想扶持他们也没办法。”陕西省西安市莲湖区联社刘主任道出了地方农村金融机构的 In a survey of more than 200 small enterprises in Shaanxi Province, it was found that the actual financing volume of small enterprises in the province is less than one quarter of the demand. The fundamental reason is that most small businesses can not provide effective guarantee and it is difficult to obtain loans from financial institutions. “Small businesses here are small, mortgage assets are not enough, banking financial institutions just want to support them no way. ” Lianhu District, Xi’an, Shaanxi Province, Associate Director Liu said the local rural financial institutions