为促进和指导银行改善对小企业的融资服务,银监会近期发布了《银行开展小企业贷款业务指导意见》(以下简称《指导意见》)。笔者认为,要落实好《指导意见》,真正解决小企业贷款难问题,首先应该解决好银行的认识问题。客观地说,银行不愿意向小企业贷款的主要原因是,大多数小企业 In order to promote and guide banks to improve their financing services to small enterprises, the CBRC recently issued the Guidance Opinions on Banks in Launching Small Business Loans (hereinafter referred to as Guiding Opinions). The author believes that to implement the “Guiding Opinions,” a real solution to the problem of small business loans, we must first solve the Bank’s understanding of the problem. Objectively speaking, the main reason banks are not willing to lend to small businesses is that most small businesses