银行惜贷,造成中小企业前景堪忧。要解决中小企业融资难的问题只有打破银行的垄断,改革目前的金融体制。以法律形式规范民间融资,让更多的金融机构或投资者参与竞争,构建一个多渠道、全方位的融资平台,才能从根本上解决融资难的现状。 Banks lend credit, resulting in worrying prospects for SMEs. To solve the problem of SME financing hard only break the monopoly of banks and reform the current financial system. In order to fundamentally solve the difficult situation of financing, it is necessary to regulate private financing by law, allow more financial institutions or investors to compete, and build a multi-channel and comprehensive financing platform.