difficult. First, SMEs are mostly privately-owned enterprises. Because they are responsible, the banking staff will have some concerns. Second, SMEs have poor anti-risk ability. Third, there are still some irregularities in the management of SMEs. For example, if an enterprise has three books, the final transaction cost for lending to small and medium-sized enterprises is high. If the loan is to a large enterprise 100 million yuan, the contract will be completed once. If the loan is to a small business, it may need to be divided several times.