中小企业对社会经济贡献巨大,但面临在商业银行融资困难的局面,这既有银行方的产品不适用、内部制度不完善等原因,也有企业组织架构松散、违约风险大等原因,解决这些问题需要银行进一步明确自身优势、提高服务能力,也需要政府的支持。 Small and medium-sized enterprises (SMEs) have made great contributions to the social economy but are facing difficulties in financing their commercial banks. These problems not only fail to meet the needs of bank-side products and their internal systems, but also result in loose organizational structures and high default risk. These problems are solved Need banks to further clarify their own advantages, improve service capabilities, but also the government’s support.