随着我国市场经济的不断发展和经济结构调整的进一步深入 ,中小企业发展已成为国民经济发展的一个重要方面 ,而贷款难又是当前中小企业呼声较高、政府有关部门比较关心的热点问题和金融部门信贷工作的难点。针对这一问题 ,我们组织调查组 ,选择政府部门反映比较集中的 2 0户中 With the continuous development of China’s market economy and the further deepening of economic restructuring, the development of SMEs has become an important aspect of the national economic development. However, the difficulties in providing loans are also the hot issues that the SMEs now have a relatively high voice and the relevant government departments are more concerned about. Difficulties in credit work in the financial sector. In response to this problem, we organized a survey team to select the government departments to reflect the more concentrated 20 households