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一、目前中小企业贷款难的成因我们知道，银行实现的利润，主要是靠银行组织存款与发放贷款的利差而形成，发放贷款是银行的基本职能。银行有钱急着要贷，中小企业缺钱设法想贷。两者的目标是一致的，那么，是什么因素导致贷款流程不能实现呢？（一）中小企业不能提供有效担保
First, the current causes of SME loan difficulties We know that the profits realized by the bank, mainly by bank deposits and loans spread spread formed, the issuance of loans is the basic functions of the bank. Banks are in a hurry to borrow money, SMEs try to get money by lack of money. The two goals are the same, then, what factors led to the loan process can not be achieved? (A) SMEs can not provide effective security