高风险、低收益下的“社会责任感”能持续多久?“给中小企业,尤其是高风险的科技型中小企业贷款,对商业银行来说,就像是啃骨头。如果你有肉吃的,为什么要去啃骨头呢?”上海浦东发展银行科技企业服务中心总经理助理丁晓玢如是比喻,道出了中小企业融资难的一个直接原因——对商业银行来说,借钱给中小企业,相比贷款给大企业,不仅要冒更大的风险,还要花费更多的时间和精力。 Loans to small and medium-sized enterprises, especially high-tech, high-tech and SMEs, are like bones for commercial banks. If you have meat Eat, why bite bones? “” Shanghai Pudong Development Bank, Assistant General Manager of Technology and Business Service Ding Xiaotang metaphor, out of a direct cause of SME financing difficult - for commercial banks, lending money to small and medium sized Enterprises, compared to loans to large enterprises, not only take greater risk, but also spend more time and effort.