论文题目：中小企业与银行的消极贷款的探讨摘要二十世纪九十年代以来，中小企业是我国国民经济的重要组成部分，中小企业与银行的消极贷款已经成为影响可持续发展的重要问题，中小企业经常会出现提出贷款申请而银行没有批准，或者是中小企业本身可能感觉会被银行拒之门外而使得企业本身不愿意提出申请的情况，这两种情况都会影响到中小企业融资的效果。在认真分析造成贷款难各种原因和矛盾的基础上，从我国中小企业和银行贷款两个角度进行更为全面的分析，并提出相应的对策。关键词中小企业；消极贷款；融资效果；对策AbstractSincethe1990s,theSMEsareanimportantpartofournationaleconomy,thenegativeSMEBankloanshavebecomeimportantissuesaffectingthesustainabledevelopment,SMEsareoftenapplyingfortheloanandthebankhasnotapprovedorSMEsthemselvesmayfeelwillbeshutoutbybanksandcompaniesreluctanttoputforwardtheapplication,bothcaseswillinfluencetheeffectofSMEfinancing.Morecomprehensiveanalysis,basedonacarefulanalysisofcauseofdifficultyinobtainingloansforvariousreasonsandcontradictions,fromthetwoperspectivesofChina'sSMEsandbankloansandthecorrespondingcountermeasures.KeywordsSME;Negativeloan;Financingeffect;Countermeasure目录摘要.....................................................................IAbstract.................................................................II前言.....................................................................1一、我国中小企业贷款现状分析..............................................2（一）银行方面现状.........................................................................................................2（二）我国中小企业方面现状.........................................................................................3二、银行对中小企业消极贷款的主要原因分析..................................3（一）中小企业贷款风险大，导致银行惜贷.................................................................3（二）银行方面的原因.....................................................................................................4（三）管理机构对中小企业的贷款的扶持政策不到位.................................
