当前,浙江中小企业发展面临新的严峻挑战,其中一个普遍而突出的问题就是中小企业的融资(主要是贷款融资)难,而货款融资难的一个主要直接原因是担保落实难。由于担保难落实,中小企业难以及时从金融机构获得生产所需的资金,从而在很大程度上制约了企业的发展。针对中小企业贷款难这一问题,台州市提出并积极推行企业财产抵押(登记)贷款的若干举措,引起了各有关方面的强烈反响。为深入了解台州市推进企业财产抵押(登记)贷款的做法和经验,最近我们专程赴台州市及其有关县区进行调查研究。一、基本情况 At present, the development of small and medium-sized enterprises in Zhejiang is facing new and harsh challenges. One of the common and prominent problems is the difficulty of financing for small and medium-sized enterprises (mainly loan financing). One of the major direct causes of the difficulties in financing loans is the difficulty in implementing the guarantee. Due to the fact that the guarantee is hard to come by, it is difficult for small and medium-sized enterprises to obtain funds needed for production from financial institutions in a timely manner, which greatly restricts the development of enterprises. In response to the difficulty of SME loans, several initiatives by Taizhou to propose and actively implement mortgage (registration) of corporate property have aroused strong repercussions from all relevant parties. In order to have a better understanding of the practices and experience in Taizhou’s promotion of corporate mortgages (registration) loans, we recently made a special trip to Taizhou and its related counties to carry out investigations and studies. First, the basic situation