1. Over-reliance on short-term funds For a long time, enterprises or individuals have relied too much on short-term loans to meet their daily expenses and working capital needs, while ignoring the importance of long-term funds, resulting in excessive short-term risks in the debt structure.

2. The proportion of bank loans is high, and enterprises or individuals are prone to repayment pressure when financing. Excessive dependence on bank loans will also lead to heavy debts and heavy debt repayment pressure.

3. Small-scale enterprises lack brand awareness and economic strength, resulting in a single financing method.

4. The fierce competition in the industry makes it difficult to attract more investors and financing channels.