But there are many problems in the development of Small - and - medium - sized enterprise, such as difficulties in loan from commercial banks or financing from the stock market, low level in management, slow efficiency of government service, etc. 但是目前中小企业发展中电存在不少问题,包括从商业银行难以获得贷款、在资本市场难以直接融资、企业经营管理水平不高、政府对中小企业服务的效率较低等等。