中小企业融资存在的问题 1.所有制歧视导致国有银行信贷政策上的“强国有制”。中小企业从经济性质而言绝大部分属于非公有制经济,在传统体制的惯性作用下,国有银行在信贷上仍然持“唯成分论”的旧观念,忽视中小企业所蕴含的巨大经济能量和良好的贷款效益,过高地夸大了对中小企业贷款的风 Problems in SME financing 1. Ownership discrimination leads to “super-state ownership” in the credit policies of state-owned banks. For the most part, the economic nature of SMEs belongs to the non-public sector of the economy. Under the inertia of the traditional system, the state-owned banks still hold the old notion of “only component” on credit and neglect the enormous economic energy and goodness that small and medium-sized enterprises Of the loan efficiency, over-exaggerated the wind on loans for SMEs