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正处于蓬勃发展阶段的私营企业，迫切需要银行的信贷投入，然而银行在纷纷表示支持的同时，仍有“恐货”、“惜贷”的心理和行为。究其原因，是因为部分个体私营企业存在着一些欠缺和不足，银行对其有顾虑，怕贷款产生风险，因而不敢贸然行事。笔者经调查研究认为，个体私营企
The private sector in its vigorous development stage urgently needs the bank's credit input. However, banks have all along expressed their support for the “fear of goods” and “looting” psychology and behavior. The reason is that some private and private enterprises have some shortcomings and deficiencies, banks have concerns about them and are afraid of the risk of loans. Therefore, they are afraid to act rashly. After investigation, the author believes that private individuals