经过两年的试点,我国包括私营企业在内的中小企业信贷担保、金融服务体系的政策框架已初步形成,制约我国私营企业发展的“瓶颈”———融资贷款两难问题已经有所化解。但这远远不能适应私营企业的发展要求,融资贷款难的问题仍很突出。因此,需要政府、银行、社会各个方面共同配 After two years of pilot projects, the policy framework of credit guarantee for SMEs including SMEs in our country and the financial service system have taken shape. The “bottleneck” restricting the development of private enterprises in our country --- the dilemma of financing loans has been solved. However, this is far from being able to meet the development requirements of private-owned enterprises. The problem of financing hard loans is still outstanding. Therefore, we need the government, banks and all sectors of society to work together