一、中小企业“贷款难”的自身制约因素 １．中小企业资产信用不足，承贷能力弱。目前，全国中小企业的资产负债率平均在７０％左右（民营企业较低），这意味着企业以３０元的自有资金，从银行或其他渠道得到了７０元的借款。而如果严格执行贷款标准，按照中小企业目前的这种资 First, SMEs “difficult to borrow” its own constraints 1. SMEs have insufficient credit for their assets and weak ability to borrow. At present, the asset-liability ratio of small and medium-sized enterprises across the country is on the order of 70% (privately owned enterprises are lower), which means that the company obtains 70 yuan of loans from banks or other sources with its own funds of 30 yuan. And if you strictly implement the loan standard, according to the current