中小企业为何融资难银行贷款终身问责制或为其原因

The article discusses the issue of financing difficulties for small and medium-sized enterprises (SMEs) in China, attributing it partly to the "lifetime accountability" policy in bank loans. While the government"s emphasis on private enterprise development is positive, this system may be counterproductive as it does not align with market principles, potentially discouraging banks from lending to SMEs due to the risk involved. A more balanced approach that considers market risks is suggested for a healthier lending environment.