长期以来 ,中小企业贷款难问题一直是社会各界关注的问题 ,银行承受着较大的舆论压力。从银行的角度来看 ,银行不愿放贷给中小企业的主要原因是 ,企业不符合贷款条件 ,无法满足银行审查 ;企业申请贷款项目风险大 ,信用管理比较困难 ;企业存在逃废债问题。同时 ,受银行内部资金 For a long time, the difficult problem of SME loans has always been the concern of all sectors of society, and banks are under greater public pressure. From a bank’s point of view, the main reason banks are reluctant to lend to small and medium-sized enterprises is that enterprises do not meet loan conditions and can not satisfy bank examination. Enterprises applying for loan programs have large risks and credit management is more difficult. Enterprises have the problem of running away from debt. At the same time, by the bank’s internal funds