Lack of guarantee is a major reason why it is difficult for enterprises to obtain loans. At present, almost all types of corporate loans are mortgage loans, and the proportion of credit loans is extremely low. Credit loans are only suitable for a few personal loans. If enterprises can't provide mortgage collateral, it will be difficult to obtain bank loans. Collective land or leased premises, major assets of enterprises (machinery and equipment, ships and other means of transportation) are not easily mortgaged by banks. The connection between banks and the trading reform platform is not smooth, and enterprises lack effective collateral in the initial stage and growth stage.

Second, the repayment ability is insufficient.

The industry to which an enterprise belongs and its own operating conditions are important factors for banks to decide on loans. According to a questionnaire survey conducted by a city investigation team of the National Bureau of Statistics, nearly 70% of enterprises think that the current operating conditions are poor or average, accounting for 5 1%. 5%, and no enterprise thinks its operating conditions are good. In other words, the operating conditions of some enterprises determine that banking institutions are not completely assured of their repayment ability.