中国目前最大的问题不是缺钱,而是缺少钱的监督和保护政策。没有抗风险的政策保障,银行不敢贷款;没有良好的诚信、良好的市场和相应的保护资本的法律法规,民间资本不敢正大光明地出山。可以说目前中小企业融资的制约因素不是钱,而是政府要出台一系列的政策加以保障和扶持。 The biggest problem in China is not lack of money but the lack of money supervision and protection policies. There is no anti-risk policy to protect banks from loans; without good faith, good markets and corresponding laws and regulations on the protection of capital, non-governmental capital can not afford to go out squarely. It can be said that the current constraints of SME financing is not money, but the government should introduce a series of policies to be protected and supported.