现行银行体制下，即便银行的呆坏账减少了，银行判断项目好坏的能力增强了，中小企业贷款难的问题仍难解决。原因在于现行银行体制决策层太多、太集中化。总行和省市分行根本无法掌握企业的具体情况，不能有效决策。如果把权利下放到基层支行，又会产生预算软约束问题。这样看 Under the existing banking system, even if the bank’s bad debts are reduced, the bank’s ability to judge whether the project is good or bad is enhanced, and the problem of difficulty in lending to SMEs is still hard to be solved. The reason is that the current banking system too many decision-making, too centralized. Head office and provincial branches can not grasp the specific circumstances of enterprises, can not effectively make decisions. If we delegate the right to grass-roots branch, then there will be budget soft constraints. Look at it this way