对占中国企业总数99%以上的中小企业来说,它们创下工业产值、实现利税、出口额分占全国60%、40%和60%的骄人业绩,这使它们有更充足的底气跟银行对话。对一向不愿将中小企业视作客户的国有银行来说,上限高达30%的贷款利率空间,使银行对中小企业取之难、不取更难。 For SMEs, which account for more than 99% of the total number of Chinese enterprises, they set an industrial output value, realize profits and taxes, and account for 60%, 40% and 60% of the country's outstanding achievements in exports, which gives them a more adequate stamina to bank dialogue. For State-owned banks, which have always been reluctant to treat SMEs as customers, a ceiling of up to 30% on the interest rate of lending will make it harder for banks to take advantage of SMEs and not make it harder.