目 录
内容摘要·························································2
一、中小企业贷款难的现状分析······································4
（一）认识上的偏差使中小企业在融资方面受到不公正的待遇··········6
（二）银行信贷与企业发展规律相违背······························6
（三）国家风险投资机制尚未建立,是造成中小企业贷款难的一个
重要原因························································6
（四）财务制度不健全,银行难于掌握企业家底,心中没数不敢放款·······7
二、惠州市中小企业贷款难的具体原因································7
（一）信贷管理制度倾向保守······································7
（二）惠州市中小民营企业整体素质偏低····························8
（三）惠州市中小民营企业普遍存在贷款担保难、抵押难的问题········8
三．解决惠州市中小企业贷款难的对策································9
（一）惠州市各商业银行要重新认识中小企业在国民经济发展中的重
要作用··························································9
（二）各中小企业要增强信用观念,加强规范管理,全面提升自身素质，
增强对信贷资金的吸引力··········································9
（三）惠州市要迅速建立中小企业信用担保制度，切实解决中小企业
抵押担保难的问题················································10
（四）逐步建立适应我国国情的风险投资体系························10
参考文献·························································13
内 容 摘 要
该文章选择《惠州市中小企业“贷款难”原因探析》作为论文题目，充分联系了在银行工作的实际，同时中小企业贷难也是当前有一个热点问题，对现实问题有一定的现实意义。文章首先分析惠州市中小企业贷款难的现状，其次分析了具体原因，最后提出了解决办法，同时对这一问题提出了自己的见解。
