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Credit rationing so that commercial banks will be squeezed out SME credit market, leading to SMEs due to funding constraints and difficult. On the other hand, commercial banks in contention for a small number of large and medium-sized enterprises and a good start disorderly competition effects of a flock, leading to the high cost of banking transactions and credit risk aggregation. Anatomy of credit rationing by the commercial banks under the SME financing difficulties and the inherent relationship between the Government, banks, enterprises, the main constituents can work together through the establishment of cooperative credit cooperative relations between banks and enterprises solve problems of credit rationing.

The credit rationing causes the Commercial bank to squeeze out the small and medium-sized enterprise the credit market, causes the small and medium-sized enterprise to be hard to start because of the fund restriction. On the other hand, between the Commercial bank to compete for the few in number large and middle scale good enterprises to launch disorderly the competition shape in groups sheep effect, causes the banking transaction cost to be high and credit risk accumulation. Finance the difficult intrinsic relations through the dissection credit rationing function's under Commercial bank and the small and medium-sized enterprise, the government, the bank, the enterprise tripartite main body to be possible joint effort through the establishment cooperation type bank and business credit cooperation relations solution credit rationing question.