中小企业贷款难、融资难,是一个老大难问题。中国银行福建泉州支行积极开展中小企业授信业务新模式试点,更新信贷风险理念、简化审批流程、创新担保条件和信用机制,取得了较好效果,为全国解决中小企业融资难问题提供了有益启示,值得认真总 SME loans difficult, difficult financing, is a chronic problem. Bank of China branch in Quanzhou, Fujian Province actively pilot pilot new mode of SME credit business, to update the concept of credit risk, simplify approval process, innovative guarantee conditions and credit mechanisms, and achieved good results for the country to solve the financing problems of SMEs provide useful inspiration, It is worth seriousness