自金融危机爆发以来，以中小规模为主的企业遇到了严重的发展困境：一方面，

自金融危机爆发以来，以中小规模为主的企业遇到了严重的发展困境：一方面，由于外需持续萎缩，而各项成本不断攀升，长期以来依赖出口的中小型制造企业亟待转变发展方式；另一方面，由于缺乏有效引导，并且缺乏市场及机会，小企业中的民营资本盲目多元化投资，资金流向了产能过剩行业或高杠杆的房地产市场，及至民间借贷等灰色地带。2011年的流动性持续性紧缩，导致了以中小规模为主的企业的资金链断裂，在民营经济较为发达的地区，爆发了小企业主的“跑路潮”。小企业及微企业的风险及贷后 难度不言而喻。但是，作为优化信贷资产结构、提升收益水平的重要工具，小企业贷款仍是各家商业银行业务发展方向之一。但从2011年至今的小企业困境来看，各家商业银行小企业贷款的 中也存在着诸多问题。

結果 (英文) 1:

Since the outbreak of the financial crisis, mainly in small and medium-sized enterprises encountered serious difficulties of development: on the one hand, due to external demand continued to decline, and the rising costs, small and medium-sized manufacturing enterprises has long been dependent on exports to transform the mode of development; on the other hand, due to the lack of effective guidance, and lack of market and opportunities, small enterprises in the private capital to blind diversification investment, capital flows to the industry or the high leverage real estate market excess capacity, and borrowing, grey zone. The liquidity in 2011 continued austerity, led to capital chain rupture mainly in small and medium-sized enterprises,In the private economy is more developed regions, outbreak of small business owners Run away "tide". Small enterprises and micro enterprise loan risk and the difficulty it is self-evident. However, as an important tool to optimize credit structure, improve income level, one of the commercial banking business development direction of small business loans are the. But the plight of small enterprises from 2011 to the present, there are various commercial bank lending to small enterprises in a lot of problems.

結果 (英文) 2:

Since financial crisis outbreak yilai, to small scale mainly of enterprise encountered has serious of development dilemma: while, due to outside needed continued atrophy, and the cost constantly climbed, has long rely on export of medium manufacturing enterprise urgently shift development way; on the, due to lack effective boot, and lack market and the opportunities, small enterprise in the of private capital blind diversified investment, funds flows has capacity excess industry or high lever of real estate market, when civil borrowing, grey Strip. 2011 continuing tightening of liquidity, led mainly by small and medium scale enterprise capital chain rupture,In the private economy in the more developed regions, small business owners broke the "running boom". Small business and micro-enterprise risk and credit difficulties are evident. However, optimizing the structure of credit assets, important tools for enhancing the income level, the House of small business lending is still one of the commercial banking business. But small business dilemma from 2011 onwards, various commercial banks in small business lending has many problems.