2008年我国执行从紧的货币政策,在这样的政策指导下,银行信贷规模预计会萎缩,银行向企业发放贷款将更加谨慎,上市公司、企业集团、重点项目才会成为银行优先放贷的对象,而中小企业则将承受更大的资金压力。事实上,中小企业贷款业务目前不为中资银行看重。在信贷紧缩的情况下,中资银行尤其是大型国有商业银行,将首先压缩成本高、期限短、收益低的中小企业贷款。 Under the guidance of such policies, the credit scale of banks is expected to shrink. Banks will be more cautious about issuing loans to enterprises. Listed companies, enterprise groups and key projects will only become the targets for banks to give priority to lending. And SMEs will bear greater financial pressure. In fact, SME lending business is not valued by Chinese banks at present. In a credit crunch, Chinese banks, especially large state-owned commercial banks, will first reduce SME loans with high costs, short durations and low returns.