长期以来，贷款难成为制约中小企业发展的瓶颈，中小企业对银行“惜贷”问题抱怨较多，地方政府对此也颇有微辞。我们认为，中小企业贷款难问题的存在有一定的合理性和规律性，从中小企业发展的全过程来看，必须经历贷款难的一个阶段。在这一阶段，寻求企业发展与银行信贷融资 For a long time, it is difficult for loans to become a bottleneck restricting the development of small and medium-sized enterprises. Small and medium-sized enterprises have complained about the “reluctant loans” of banks, and local governments have also made some slight resignations. In our opinion, there is a certain rationality and regularity in the existence of a difficult loan for SMEs. From the perspective of the entire process of the development of SMEs, it is necessary to go through a stage where loans are difficult. At this stage, seeking business development and bank credit financing