我国民营中小企业贷款难的成因与对策

Causes and Countermeasures for small and mediun-sized private Enterprises toget a loan hard

商业银行对民营中小企业的惜贷有中小企业本身的因素,也有金融体制和机制的原因,突破中小企业贷款难的瓶颈,关键还在于深化金融体制改革、加快商业银行经营机制转变和推进金融创新。

Difficulties on debiting from commercial banks have reasons from not only self factors of private small and medium-sized enterprises （SMEs）, but also finance system and mechanism. To break the bottleneck of extending credit of SMEs, it is crucial to deepen information of finance system, fasten transit of commercial banks business mechanism and promote finance innovation.