We require the commercial banks to differentiate credit policies to different sectors and improve their credit services to the small- and medium-sized enterprises. At the same time, we should note that with changing market circumstances, demands of the enterprises are also changing.
While strengthening and improving window guidance, the central bank should also take measures to promote the reform of the commercial banks to better resolve the structural problems. Lack of fund, particularly of working capital faced by some regions and enterprises is related to over-investment and excessively large inventories. Some enterprises have used their working capital to finance the investment projects.