1. The threshold is relatively high: the application conditions and approval standards for science and technology loans are relatively high, requiring enterprises to have strong innovation ability, market prospects and good credit records, and a large number of relevant certification materials are required.

2. Higher interest rate: Compared with traditional loan products, the interest rate of science and technology loans is relatively high, mainly because the risk of science and technology enterprises is high, and banks need to charge higher interest to make up for the risk.

3. There are many safeguards: Science and technology loans usually need to provide certain collateral or guarantee measures to ensure the safety of funds. This may bring great economic pressure and legal risks to start-ups or small and medium-sized enterprises.

4. More restrictions: Compared with traditional loans, the scope and use of science and technology loans are more restricted, and the loan funds need to be used in accordance with relevant regulations and repaid in strict accordance with the repayment plan.