目前,资金不足被列为造成中小企业停产的首要因素和企业经营困难的第二大因素,而向银行贷款是中小企业融资的主要渠道,那么中小企业贷款缘何步履维艰？是银行信贷资金不够充分？还是中小企业自身缺乏具有市场前景的好项目？究其原因,固然是多方面的,但从我行近两年中小企业贷款 At present, insufficient funds are listed as the primary factor for the suspension of production of small and medium-sized enterprises and the second largest factor for the difficulties in business operation. Loans to banks are the main channel for SME financing. So why are SME loans difficult? Bank credit funds are not sufficient? Or SMEs lack of their own good market prospects of the project? The reason, of course, is multifaceted, but the loan from SMEs in our bank nearly two years