我国大型商业银行一直以大企业贷款作为信贷工作重点,而中、小商业银行往往将信贷目标客户群定位于中、小企业。于是理论界有部分观点认为,大型商业银行由于自身规模较大,在为小企业提供信贷服务的竞争中缺乏优势,解决我国小企业贷款难的问题应当更多地依靠中小银行。本文认为,银行规模不是大型商业银行向小企业贷款的主要障碍,有待改善的金融生态环境和银行管理水平 China’s large commercial banks have been using large corporate loans as the focus of credit work, while small and medium-sized commercial banks tend to target their credit customers to medium and small enterprises. Therefore, some viewpoints of theorists hold that large commercial banks, because of their large scale, lack advantages in providing competition for small enterprises to provide credit services. The problem of solving the difficulty in providing loans for small enterprises should rely more on small and medium-sized banks. This paper argues that the size of a bank is not the major obstacle for large commercial banks to make loans to small businesses. The financial eco-environment to be improved and the level of bank management