中小企业贷款难是一个世界性问题,因为对于同样数目的贷款,银行为中小企业服务时支付的成本会远远大于为大企业服务时支付的贷款成本。近几年来,在国家政策的扶持下,金融环境得到了一定的改善。但是,大多数中小企业资金短缺的问题并没有在根本上得到解决,所处的金融环境并不宽松。要想解决这个问题,必须分析中小企业的融资需求、融资模式、信贷风险识别、风险防范等一系列问题。鉴于临沂拥有全国第三大专业批发市场,民营中小企业众多,商品交易活 Lending SMEs is a worldwide problem because with the same number of loans, the costs incurred by banks in servicing small and medium-sized enterprises are far greater than the costs of borrowing for large enterprises. In recent years, with the support of national policies, the financial environment has been somehow improved. However, the problem of shortage of capital in most SMEs has not been fundamentally solved and the financial environment in which it operates is not loose. To solve this problem, we must analyze the financing needs of SMEs, financing models, credit risk identification, risk prevention and a series of issues. In view of Linyi has the country’s third largest professional wholesale market, many private small and medium enterprises, commodity trading live