融资难一直是制约中小企业发展的瓶颈因素。如何化解这一难题,是各级政府、金融部门、企业共同关注的问题。必须寻根求源,找出“症结”所在,对症下药,标本兼治,逐一化解。症结之一:企业经营管理不规范。具体表现在:一是多数中小企业不符合银行贷款条件,是造成融资难的一个主要原因。近年来,中小民营企业发展较快,但是经营管 Financing difficulties have always been a bottleneck restricting the development of SMEs. How to resolve this problem is a matter of common concern at all levels of government, financial departments, and enterprises. It is necessary to seek roots and find out where the “cruxes” lie. We must prescribe the right remedy, treat both the symptoms and the problems, and resolve them one by one. One of the cruxes is the non-standard business management. The specific manifestations are: First, most SMEs do not meet the conditions for bank loans, which is a major cause of financing difficulties. In recent years, small and medium-sized private enterprises have developed rapidly, but management