莫让“一刀切”的惜贷情绪成为压垮小微企业的“最后一根稻草”。今年7月以来,市场对于银行“惜贷”议论不断。银行是否“惜贷如金”?如何看待银行“惜贷”对中小企业乃至实际经济的影响?有市场分析认为,随着经济下行压力不断加大,银行对中小企业贷款确实存在“惧贷”心理,加之受不良资产上升的影响,银行存在谨慎放贷,以防控风险的调整,但要谨防过度慎重放贷,进而成为压垮中小企业的“最后一根稻 Let Since July this year, the market continued to talk about banks ”looting loans.“ Bank whether ”cherish the loan such as gold “? How to treat the bank ”pity loan " on the impact of SMEs and the actual economy Some market analysts believe that as the downward pressure on the economy continue to increase, the bank loans to SMEs do exist In addition, due to the rise of non-performing assets, banks have to lend prudently to prevent and control risk adjustments. However, they must guard against over-lending and become the last rice that crushes SMEs