银行信贷投入难从宏观角度分析是全社会消费品零售市场没有启动，消费需求不旺所致，但本文仅从微观角度分析温岭市金融系统信贷投入难的成因反对策。从调查倍况看，当前金融机构贷款投入难的主要原因是：（一）企业投资行为趋向谨慎。例如对于未转制企业，由于政府计划要求，? Difficult to put into bank credit From a macro perspective is the entire social consumer goods retail market did not start, consumer demand is not due to, but this article only from a micro perspective Wenling financial system credit investment hard causes and countermeasures. From the survey to see the situation, the current financial institutions is difficult to invest in loans are mainly due to: (A) corporate investment behavior tends to be cautious. For example, for non-restructuring enterprises, due to government planning requirements?