文章通过银行信贷和中小企业发展的这种关系,解析了中小型企业的不足,这些中小企业既想提高银行信贷又想处理好与中小企业发展之间的和谐关系的融资。因为中小企业经营小、投资不多、回扣小、信用度不高,银行对这些中小企业的信贷过于严苛,直接会导致中小企业破产。 Through the relationship between bank credit and the development of small and medium-sized enterprises, the article analyzes the shortcomings of small and medium-sized enterprises that want to raise both bank credit and want to handle the harmonious relationship between SME development and financing. Because small and medium-sized enterprises manage small investment, small rebates, credit is not high, the bank’s credit to these small and medium enterprises is too harsh, will directly lead to the bankruptcy of SMEs.