随着国有企业三年脱困目标的基本实现,国家提出“坚持发展大企业大集团与扶持中小企业并举”的方针,把“放小”与“扶小”结合起来,支持中小企业健康发展。但目前中小企业在运行中确实存在贷款难的问题。形成中小企业贷款难的问题主要有三个方面的原因。一、企业方面的原因。中 With the basic realization of the state-owned enterprises’ goal of getting rid of poverty in three years, the state has put forward the principle of “adhering to the principle of simultaneously developing large enterprises and supporting small and medium-sized enterprises” and “combining small and small” with “helping small and small” to support the sound development of SMEs. But at present, SMEs do have problems with loans in their operations. There are three main reasons why it is hard to form a loan for SMEs. First, the business reasons. in