The most successful SMEs may become large enterprises, thus being able to access direct financing. These enterprises may raise funds by issuing bonds or stock shares, thus facing little constraints in obtaining financing. SMEs are a big group of customers. To differentiate among SMEs and corresponding financing channels could actually enhance the allocation of social resources.
The central bank shall provide credit guidance for commercial banks from a more macro perspective. In this process, commercial banks shall strengthen loan management, enhance its efficiency, and discover and foster potential customers. With the rapid development of the financial market, the direct financing channel of large enterprises would be further explored, and its share increased.