海宁万杰纺织有限公司销售部经理张方丽在接受《纺织服装周刊》记者采访时表示,海宁万杰的融资渠道主要是银行,在他们看来,商业银行与国有银行在贷款政策上基本都是一样的,谈到很多中小企业融资难问题,张方丽认为,企业首先要从自身找问题,确实有一些规模很小的企业在发展之初由于缺乏固定资产抵押存在着严重的融资问题。“在一个小企业里,如果你的机器也没有几台,厂房也是租来的,真的很难借到钱。银行也是在做生意,人家贷款给你,也会考虑到企业的偿还能力。”张方丽表示,以往海宁万杰向银行借钱融资过程中,银行考察企业的方式主要是通过审查财借到钱。银行也是家贷款给你,企业的偿以往银过 Zhang Fangli, Sales Manager of Haining Wanjie Textile Co., Ltd., in an interview with the reporter of Textile and Apparel Weekly said that Haining Wanjie’s financing channels are mainly banks. In their view, commercial banks and state-owned banks are basically the same in terms of loan policies , Talked about many SMEs financing difficulties, Zhang Fangli believes that enterprises must first find their own problems, there are indeed some small enterprises in the early stages of development because of the lack of fixed assets mortgage there is a serious problem of financing. “In a small business, if you do not have a few machines, factories are rented, it is really difficult to borrow money. Banks are also doing business, people will give you loans, will also take into account the ability of enterprises to repay . ”Zhang Fangli said that in the past, Henin-ning Wanjie borrowed money from banks to finance the process of bank-based inspection of enterprises by borrowing money mainly by examining the money. Banks are also home loans to you, the company’s past silver payment