The reason for this situation is that banks do not attach importance to small and medium-sized enterprises, and some customers lack professional loan knowledge, because banks are mainly large enterprises and do not want to waste too much time on small and medium-sized enterprises. At this time, if small and medium-sized enterprises have professional loan knowledge or the help of professional financial service institutions, the probability of passing the loan will be greatly improved.

In short, the development of small and medium-sized enterprises can not be separated from the support of banks, but the long and complicated loan process and difficulty coefficient are a drop in the bucket for small and medium-sized enterprises. Due to the difficulty of bank loans for small and medium-sized enterprises, the goal of small and medium-sized enterprises has turned to private lending, but private lending is risky and many lending companies are not qualified.

In order to effectively solve the financing difficulties of small and medium-sized enterprises, the Premier of the State advocates vigorously developing internet finance, and the government has also issued a series of policies for strict supervision.