In particular, many small and medium scale enterprises still struggle to obtain the finance they need, in the forms which are most appropriate, to support their business activities and investment requirements. Part of the reason for this lies with the borrowers themselves, especially with regard to poor business  BIS central bankers’ speeches  1  management.
But banks also have a contribution to make in enhancing access to credit by small and medium scale enterprises; for example by strengthening their capacities for evaluating the business prospects and creditworthiness of loan applicants and by developing new ways of securing loans to business enterprises.