中小企业是我国国民经济中一支不可忽视的力量,是国民经济健康协调发展的重要基础,是吸纳民众就业及社会稳定的保证。贷款难、融资难和资金紧张的问题成为制约中小企业发展的瓶颈。文章对银行业如何转变职能,更好地为中小企业融资贷款服务作了探讨。 Small and medium-sized enterprises (SMEs) are a force that can not be ignored in our national economy. They are an important foundation for the healthy and coordinated development of the national economy and a guarantee for absorbing people’s employment and social stability. Difficult loans, financing difficulties and financial constraints have become the bottleneck restricting the development of SMEs. The article discusses how to change the functions of the banking industry and better serve the financing of SMEs.