乡镇企业贷款难，原因是多方面的，但企业自身的缺陷是主要的。所以，有必要从企业自身建设补救。具体可着眼以下方面：1、塑造自己的“信用”形象。以前，有不少乡镇企业对银行贷款存在着“到手即为财”的错误认识，借钱时笑脸相求，想方设法争得贷款，贷款到期时则冷眼相待， The difficulty of lending to township enterprises is due to many reasons. However, the defects of the enterprises themselves are the major ones. Therefore, it is necessary to build remedies from the enterprises themselves. Specific can focus on the following aspects: 1, create their own “credit” image. In the past, many township and village enterprises had misunderstandings about bank loans that “hand is money.” When they borrowed money, they smiled and looked for ways to win loans. When the loans were due, they were treated with indifference.