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中小企业融资难已然是老生常谈了。究其原因,大都集中在中小企业经营效益相对低下,资信普遍不高,以及中小企业担保难,抵押难等问题上。《贷款通则》总则第一条就规定保证信贷资产的安全,同样是经营企业,所有的企业经营者都知道规避市场风险,银行也不例外,他也会将贷款资金的效益性和安全性放在首位。如果您不能给所贷金额提供有效的安全保证,银行自然不会考虑您的贷款要求。当您的贷款要求被拒绝时,你先别急着抱怨银行不通情
SME financing is no longer a cliché. The reasons are mostly concentrated in the relatively low operating efficiency of SMEs, credit is generally not high, as well as SME guarantee difficult, difficult to mortgage and other issues. Article 1 of the “General Rules for Loans” stipulates that the security of credit assets is also run by the enterprises. All the business operators know that to avoid market risks, and the banks are no exception. He will also put the efficiency and security of loan funds In the first place. If you can not provide an effective security guarantee for the loan amount, the bank will not consider your loan request. When your loan request is denied, do not rush to complain about the bank is not the situation