亚洲开发银行驻中国代表处首席经济学家汤敏说,我们在认识上有一个误区,就是一谈到中小企业融资,自然而然地就容易谈到怎样从银行里把钱借出来以及银行如何“惜贷”等等。实际上,在世界所有国家中,商业银行都不怎么为中小企业提供贷款。中小企业从银行融资难并不是中国特有的情况,而是世界上普遍存在的现象。所以,我们不应该把解决中小企业融资难问题的希望寄托在商业银行身上。我们的银行好不容易才有 Tang Min, chief economist of the Asian Development Bank in China, said that there is a misunderstanding in our understanding that when it comes to SME financing, it is easy to talk about how to lend money out of the bank and how banks “cherish credit ”and many more. In fact, commercial banks do not provide loans to SMEs in all countries of the world. Financing SMEs from banks is not unique to China, but a pervasive phenomenon in the world. Therefore, we should not pin our hopes on solving the financing difficulties of SMEs in commercial banks. Our bank is not easy to have