据了解，近几年来，部分金融机构为减少和防止不良贷款，确保信贷资金安全，有时出现不愿受理中小企业贷款申请的情况。中小企业为解决融资困难，往往由其主管部门或所在企业集团的核心企业统一向金融机构贷款并统一归还。一些地区最近来函，要求对此类非金融机构统借统还业务 It is learned that in recent years some financial institutions sometimes refuse to accept applications for loans from SMEs in order to reduce and prevent non-performing loans and ensure the safety of credit funds. In order to solve the financing difficulties, SMEs often borrow from the financial institutions by their competent departments or the core enterprises of their respective enterprise groups and reunify them uniformly. In some recent communications in some areas, it has been demanded that these non-financial institutions be remitted to and repay their businesses