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拥有全国70%以上信贷资金的四大国有银行在很大程度上存在对民营企业的“歧视”。在贷款发放要求、贷款审批程序和效率、不良贷款处理、信贷人员责任承担等方面对民营企业的要求极为苛刻，远远超过国有企业。如部分银行在民营企业申请贷款时，除要求正常的抵押担保外，还额外要求企业法人代表以个人所有财产进行担保。在当前民营企业面临经营危机更需要资金支持的情况下，银行对民营企业的贷款要求反而更加严格，严重影响了当前形势下民营企业的生存和发展。

Owns more than 70% of the country 's four state-owned banks credit funds exist in large part to private enterprise "discrimination ." Requirements in the loan , the loan approval process and efficiency , non-performing loan processing , loan officers and other aspects of accountability of private enterprises the most demanding , far more than state-owned enterprises. As part of the bank loan application in private enterprises , in addition to the normal collateral requirements , but also the additional requirements of all corporate representatives to personal property guarantee. In the current business crisis faced by private enterprises need more financial support in the case , the bank 's loans to private enterprise but more stringent requirements , the current situation has seriously affected the survival and development of private enterprises .

这种融资领域的“歧视性对待”看似给银行规避了风险，实际上不仅给中小企业的融资带来了困难，也给国内的经济正常运行带来了更大的风险和隐患，应该尽快改变这种局面。

This type of financing field, " discriminatory treatment " appears to avoid the risk to the bank , in fact, not only makes it difficult to finance for SMEs , but also to the normal operation of the domestic economy has brought greater risks and potential problems as soon as possible change this situation .

由于长期以来我国股票融资制度主要是为国有大中型企业融资服务，对中小企业的关注远远不够。为了解决中小企业融资难、鼓励自主创新、建立多层次的资本市场，中小企业板设立了。随后，在2009年10月30日创业板正式开板。

As a long time China's stock financing system is mainly state-owned large and medium enterprises financing services, not enough attention to SMEs . In order to solve the financing difficulties of SMEs , to encourage independent innovation , the establishment of a multi-level capital market , the establishment of the SME board . Subsequently, in October 30, 2009 officially opened the GEM board . However , the original in order to encourage innovation, entrepreneurship, high-tech companies or innovative company designed the GEM , and now has become a veritable " question board" , from the launch of the GEM mind, away from the majority of investors' expectations , from the health the capital market is far from running , or even completely opposite. Listed on the GEM on the second day of a slump , 28 companies in 20 limit, only a daily limit. According to the Shenzhen Stock Exchange statistics , 28 GEM companies on the first day closing average increase of 106.23% , after the second day of collective fall closing price over the initial opening , the average increase of only 16.96% . The terms of the second day 's closing price as a benchmark, the first day amounted to 163 million shares chips quilt , quilt funds totaling 9.707 billion yuan . As of the first half of 2010 , the first batch of 28 GEM companies to raise funds for less than one fifth of net usage . Where Pao shares , Anke Biotechnology , and Zhongyuan Huadian three companies to raise funds effective investment accounted for only 2.89% , 3.02% and 4.97% , called the GEM in the " Grandet ."

Cool look of GEM has been positioned in the access threshold , regulators should continue to explore other aspects of responsibilities perfect . In still further reduce the barriers to entry , where profitabil