贷款审查是商业银行在贷前调查的基础上，就企业借款的目的、用途及经营合理性所作的进一步审查。主要有三点： ①认定事实。即审批人对企业和信贷员提供的贷款原因和用途进行复审，正确判定其性质。②掌握政策。主要是以认定的事实为依据，根据国家和上级银行确定的信贷政策，最终确定贷与不贷、贷多贷少。③确定贷款。主要是决定贷款的数额、还款期限、利率和贷款方式。
However, Financing difficulties block the High-tech SMEs rapid development, because they may be faced with many limits of their own small scale, less available assets for pledge, as well as bank loan approval system.
然而,科技型中小企业由于受自身规模小、可抵押资产少,银行贷款审查制度严格等原因限制,融资困难,发展受阻。
参考来源 - 知识产权质押价值评估问题研究·2,447,543篇论文数据，部分数据来源于NoteExpress
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