5 Erect and perfect the rating and credit authorizes system
The state-owned commercial bank loan rights fasten on provincial branch, the credit regulation of them is very strict. Enterprises of A level have a lot of credit while the rank of BBB for enterprises basically have few . Small and medium-sized enterprises get less credit, even a lot of medium and small enterprise didn't get credit authorizes.
The loan amounts of Small and medium-sized enterprises are small, high frequency and up-to-date. so, small and medium-size enterprises have to differ from large enterprises in loan rating and credit, and reasonably determine the credit system and loan amount according to the character of Small and medium-sized enterprises.In the fact of different businesses and regions, the credit standards shouldn’t be too high to crowd most of the small and medium-sized enterprises out of the support line.
Due to the low threshold of starting, Small and medium-sized enterprises become a major power of employment. However, the difficult in financing is a research topic. More than 99% of the small and medium-sized enterprises possess the loan resources less than twenty percent, the financing difficulties are becoming the bottleneck of the development of small and medium-sized enterprises, so it still needs long-term attention and support.