Government and societies endeavor to improve this situation, but the key factor is till SMEs itself, such as advance of credit level, improve of performance and more unabridged financial data.

• 解决这个难题,需要政府、社会和企业多方面的努力,但最根本的还是在于中小企业自身信用水平和金融机构信用风险管理水平的提高。