中小企业在经济发展中所起到的作用已是有目共睹 ,但对于中小企业的扶持和服务一直力度不够 ,尤其是金融服务。中小企业发展有风险 ,这是不容否认的事实 ,但不应该成为一个成熟的银行拒绝贷款的理由 ,如何与客户一道共同规避市场风险 ,建立科学的信贷评价体系 ,是当前银行业迫切需要解决的课题 ,也是中国银行业应对WTO挑战的必然内容。 The role played by SMEs in economic development is obvious to all. However, there has been insufficient support and service to SMEs, especially financial services. The development of SMEs at risk, which is undeniable fact, but should not be a reason for a mature bank to refuse loans, how to work together with customers to avoid market risk and establish a scientific credit rating system is the urgent need to be addressed by the banking industry Project, but also China's banking industry to meet the challenges of the WTO necessary elements.