求翻译：二是处于快速扩张发展期的中小企业，由于扩张性发展的需要，对资金的需求量大，虽然外源性融资较多，但是资产负债率偏高，金融机构从控制风险的层面上看，不会长期的无限制贷款给这类型的中小企业，以免造成资金依赖反而给这类企业带来负担。三是需要进行产业升级和技术改造的企业。国家为了促进中小企业的发展，在政策上面作出了一些有益于中小企业升级的规定：需要进行产业升级的企业信贷投放结构进行调整，会对具有发展潜力的产业给予贷款倾斜而对需要调整的企业给予贷款的限制，所以，企业贷款受到的影响较大，中小企业融资难，资金周转这两方面成为了制约和阻碍中小企业快速发展的重要因素。是什么意思？

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Two, is in the fast expansion period of expansion the small and medium-sized enterprise, as a result of the expanding need to develop, is big to the fund demand, although exogenetic financing are many, but the property ratio of debt to net worth is high, the financial organ looked from in the contro

Second, in a period of rapid expansion of development of small and medium enterprises, due to the expansion of development needs, demand for capital, although more external financing, but high rates of assets and liabilities, financial institutions seen from the level of risk control, unlimited loan

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