根据我国的国情和实际的需要,中小企业贷款仍然是近几年银行信贷业务可持续发展格局的重要组成部分。本文从企业跟银行入手,探讨成因,希望为工商银行在中小企业这一块形成新的竞争优势提供一些思路。 According to China’s national conditions and actual needs, SME loans are still an important part of the sustainable development of bank credit business in recent years. This article starts with enterprises and banks and explores causes, hoping to provide some ideas for ICBC to form a new competitive advantage in this sector.