1. A three-level credit guarantee system for small and medium-sized enterprises is constructed: the system covers a wide range, from the whole country to the region and then to the community, and can provide different types of guarantees for small and medium-sized enterprises. It will help small and medium-sized enterprises to obtain loans more effectively and support their development and growth.
2. Multi-level capital market supports scientific research and innovation: American credit guarantee system has played an important role in building multi-level capital market. These capital markets can provide financing channels for enterprises, especially technological innovation enterprises.
3. Small and medium-sized enterprises have high requirements for applying for loans: to apply for commercial loans for American small and medium-sized enterprises, they need to meet a series of strict requirements, including credit history, financial status, business plan, etc. This makes SMEs face a higher threshold when applying for loans.