With the trend of loans getting better and better, various forms of loans are slowly emerging, such as loan services for different groups of people and various loans for small and medium-sized enterprises. However, there are several reasons why loans for SMEs are difficult to pass.

The reasons why it is difficult for small and medium-sized enterprises to pass loans

(1) Banks are very strict in approving loans for SMEs. Due to the relatively high risk of SME loans, banks need more comprehensive information when approving SME loans, including business licenses, tax registration certificates, tax payment certificates, capital verification reports, financial statements, collateral and related supporting materials. , and the approval process is complicated.

It is not easy to apply for a loan. Compared with large enterprises, small and medium-sized enterprises lack fixed assets such as land, and their conditions are relatively poor. If the bank's credit policy is tightened, the loans of small and medium-sized enterprises will be affected first, and the reputation of small and medium-sized enterprises is also one of the main reasons that affect their loan applications. Banks will think that lending to small and medium-sized enterprises is risky, and then they will not lend to them.

(3) The post-loan management of small and medium-sized enterprises is difficult and the post-loan management cost of small and medium-sized enterprises is high. Because it is difficult for small and medium-sized enterprises to market loan collateral, it is difficult to solve non-performing loans if they appear. Accountability is also difficult to implement, because the decision-making of SMEs is not standardized.

The main reasons why it is difficult for SMEs to pass loans are the above three points. I'll stop here about SME loans. The above are only personal opinions and are for your reference only.