These banks are not as much of ready for action nevertheless recognize beyond doubt SMEs located in surroundings. The same, pitiable managing, compound related dealings, non-crystal clear accounting and feeble anti-risk competence have provoked their complicatedness to acquire finances from banks, as banks do not prefer to provide finances or loan to SMEs considering information asymmetry and high costs of business and control (Xiang, 2007).
Financial services, mainly the loans required for SMEs growth in China far go over the real sum supplied. Even though nearly all funds starts off from self-accretion or fundraising, whilst first setting up a SME, more than 50 percent of SMEs yet depend on loans from banks . All through the route of making and investment growth , mostly working capital and a little fixed assets investment, the loans demand from banks are larger. If a SME wishes to invest, there requires funds from banks. Apart from for a few well-performing SMEs, the huge greater part does not have an adequate amount of self accumulated funds to scrupulously get together investment supplies so they ought to come across a method to fill up the gap in financing . Because of definite confines, it is very complicated for SMEs to get hold of capital or venture capital from the capital market in a straight line. Consequently to a great degree, except they get a private loan, SMEs ought to depend on finances from banks and supplementary funding organizations to achieve outside funds (Junjie, Jining and Catherine, 2008).
这些银行不一样，准备行动不过认识毋庸置疑的中小企业在环境。同样的，可怜的管理，相关交易的非晶复合，明确会计的抗风险能力已经引起了其复杂性从银行获得资金，银行不愿意提供资金或贷款来考虑信息不对称和高成本的业务和控制中小企业（乡，2007）。
金融服务，在中国中小企业的增长远远超过实际需要和提供主要的贷款。尽管几乎所有的资金开始从自我增生或筹款，而首先建立一个中小企业，百分之50以上的中小企业却依赖于银行贷款。通过与投资增长的主要路线，营运资本和一个小的固定资产投资，从银行的贷款需求大。如果一个企业投资意愿，有需要的资金从银行。除了少数表现良好的中小企业，巨大的大部分没有自我积累的资金将一起投资供给所以他们应该遇到的方法来弥补融资缺口足够数量。由于明确界定，这是中小企业从资本市场获取资金或风险资本保持在一条直线上非常复杂。因此，在很大程度上，除非他们得到私人贷款，中小企业应该取决于银行和补充基金组织资金来实现外部资金（俊杰，济宁和凯瑟琳，2008）。
