银行融资就是以银行为中介的融通资金活动，是我国物流企业及其服务的广大中小企业通过间接融资方式获得资金的主要形式。然而，传统的银行信贷融资已不适应物流企业和其他产业的广大中小企业，融资需求缺口不断扩大。
The effectivity of“the Property Law”and issuance of other important regulations generate new legal support and possibility for SME finance through banks.
随着《物权法》等一系列重要法规的出台和修订,使得中小企业银行融资的完善和创新具有了法律依据和可能。
参考来源 - 论中小企业银行融资法律制度的完善和创新While from the perspective of banks, selection of clients and risk management are the key components in a financing activity.
从银行融资决策看，客户选择和风险管理是其主要内容。
参考来源 - 企业发展与银行融资·2,447,543篇论文数据，部分数据来源于NoteExpress
去年，当贷方拒绝为支撑这些工具的短期票据再融资时，银行不得不把这些资产记入资产负债表，从而改变他们的资本比率。
When lenders last year refused to refinance the short-term paper that funded the vehicles, Banks had to take the assets onto their balance sheets, straining their capital ratios.
而且，处理再融资的银行可能收取更多的费用，用以补偿贷款再次倒帐的风险。因为两房坚持要求回购抵押品。
In addition, the bank handling the refinancing may charge higher fees of its own to compensate for the risk that the loan soon defaults and Fannie or Freddie insists it be bought back.
随着银行面临更多放弃权利和再融资的要求。
In the face of more requests for waivers and refinancings, Banks will react selectively.
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