贷款难是制约中小企业发展的瓶颈,究其原因,和抵押担保难、银行信贷管理体制不完善等因素是密不可分的。因此,本文就中小企业贷款难的因素进行分析,并且就贷款难的问题提出一些诸如加强财务信息披露、网络联保等建议,希望有效地解决中小企业贷款难的问题,并且完善银行信贷管理体系,加快建设社会信用体系。 Loans are difficult to restrict the development of small and medium-sized enterprises bottleneck, the reasons for it, and the mortgage guarantee, imperfect bank credit management system and other factors are inextricably linked. Therefore, this article analyzes the factors that make SMEs difficult to loan, and puts forward some suggestions such as strengthening financial information disclosure, network guarantee and so on, and hopes to effectively solve the problem of SMEs’ loan hard, and improves the system of bank credit management , Speed ​​up the construction of social credit system.