This paper describes how to solve the problem of loaning to the middle and small business .The permanent solution to this problem is to reform the large commercial banks.

• 目前国内关于对解决中小企业融资困难的学术观点,主要集中在建立中小金融机构上,但是这种学术研究在机构的定位及业务的具体实施中还存在技术性的障碍。