银行历来是我国企业获得资金的主要渠道。各商业银行针对中小企业的特点，制订了贷款准则，如中国工商银行专门制定了面向中小企业贷款的指导性意见。该意见将中小企业分为三类：重点支持类、适度支持类、禁止贷款类。一、重点支持类须符合以下六项条件１.信用等级在ＡＡ以上； Banks have always been the main channel for Chinese enterprises to obtain funds. In accordance with the characteristics of small and medium-sized enterprises, commercial banks have formulated loan guidelines. For instance, Industrial and Commercial Bank of China has formulated a special guideline for lending to small and medium-sized enterprises. The opinion divides SMEs into three categories: key support categories, modest support categories and banning loans. First, the key support class must meet the following six conditions 1 credit rating AA above;