Even if moving towards a stronger banking system in terms of capital and liquidity has entailed costly outlays for the State, it is a prerequisite for ensuring the credit of the State. Likewise, healthier public finances are indispensible for keeping interest costs and ensuring that the banks have ready access to market funding.
Student loans may be needed to help fund the education that is important for both small business owners and their employees to boost profits and productivity. And, short-term credit matters for day-to-day management of cash flow, while longer-term credit is essential for capital investments. So, entrepreneurs—just like consumers—need access to a variety of credit sources.