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一、中小企业发展自身面临的困难1、资金短缺,融资渠道狭窄。从中小企业获得贷款的情况看,近几年难度有增无减。国有商业银行在业务指导上一直把大型企业作为服务的重点,同时商业银行为了保证自身经营的安全性,一直把采用传统的担保,抵押贷款的方式。而中小企业由于自身资金不足,可以抵押的物品有限,银行信用缺乏,很难获得贷款。深圳市虽有中小企业信用担保机构,但由
First, the difficulties faced by small and medium-sized enterprise development 1. Shortage of funds and narrow financing channels. From the situation of SMEs to obtain loans, the difficulty in recent years unabated. State-owned commercial banks have always regarded large-scale enterprises as their focus of service in their business guidance. In the meantime, in order to ensure the safety of their own operations, commercial banks have always adopted the traditional method of guarantee and mortgage loan. The small and medium enterprises due to their lack of funds, can be secured items is limited, the lack of bank credit, it is difficult to obtain loans. Although Shenzhen SME credit guarantee agencies, but by