近年来,我国民族贫困地区中小企业的发展带动了就业、繁荣了市场、活跃了经济、促进了竞争,已成为当地转变生产方式、调整经济结构的重要力量。然而,在当前国家执行稳健的货币政策的背景下,中小企业贷款难、尤其是民族贫困地区小企业获得银行贷款难上加难的问题,很大程度上制约了当地中小企业的发展。通过最近开展的一项调查,我们认为造成民族贫困地区小企业贷款难的症结有多方面的原因,解决这一症结同样要多管齐下。 In recent years, the development of small and medium-sized enterprises in poor areas of our country has led to employment, prosperity of the market, active economy and promotion of competition. It has become an important force for transforming local mode of production and adjusting economic structure. However, given the current implementation of a prudent monetary policy in the country, it is difficult for small and medium-sized enterprises to lend money, especially for small enterprises in poverty-stricken ethnic areas to obtain bank loans, which has largely restricted the development of local small and medium-sized enterprises. According to a recent survey, we think there are many reasons for the difficulties in lending to small enterprises in ethnic poverty-stricken areas. To solve this crux also requires a multi-pronged approach.