技术改造贷款

第三，银行现行的信贷管理制度限制了民营企业对技术改造贷款的获得；

Thirdly , loan availability is restricted by banks ' credit policy .

体制转轨中的融资偏好与约束：发达地区民营企业技术改造贷款萎缩研究

Financing Preference and Restriction in Transitional Period : A Study of Technical Renovation Credit Crunch to Non-State Owned Business in Developed Regions

银行优先为国债项目提供配套贷款，支持有市场、有效益、有信用企业的流动资金和技术改造贷款需要。

While giving top priority to providing supplementary loans for Treasury-bond projects , banks also provided working capital and loans in support of technological transformation by credit-worthy enterprises that are profitable and have a ready market for their products .

其中，初始投资成本不仅仅计及了设备购置成本（包括建设的相关费用）、土地租赁成本，还创新的引入了技术改造成本以及贷款利息，并推导了等额本息还款方式下的利息总额计算公式。

Among them , the initial cost is taking into account not only the equipment cost , land leasing costs , but the introduction of innovative renovation costs and interest on loans . The interest in equal installments of principal and interest repayment formula is derived in this article .

机电产品生产企业的技术改造和技术投入贷款还远不能满足实际要求；

Technological transformations and loans of mechanical and electronic enterprises are still not satisfied the practical needs .