The central bank in order to curb inflation, improving the reserve ratio, the purpose is to reduce the liquidity, but the effect how? And should say is not apparent, although reserve rate has increased to the extent of the terrible, but inflation but still on the rise, looking forward to house prices down no, look forward to's wages didn't go up. Reserve rate rise after, bank cut the size of the loans, directly affected by the impact is the medium and small enterprises loan, was vulnerable groups will not easy to get a loan, tightened after scale, and small and medium-sized enterprises get a loan hope even more remote, the bank had XianPinAiFu problem, small and medium-sized enterprise difficulties in production and management, the benefit not beautiful, its biggest contribution is to solve the social problem of employment, monopoly industry requires a large social resources, with most of the bank loans, has made the good monopoly profits, but its in solving the employment problem? The contribution, and small and medium-sized enterprise phase difference between than it. Small and medium-sized enterprise loan the difficult question is not what secret, also not is what fresh problems, the problem has been bothering us many years, small and medium-sized enterprise of loan assure problem is still not solved, and the size of the loan of narrow, it is small and medium-sized enterprise loans off the hope, for the banking industry speaking, sme loans is great risk, the return of small, loans of the early work trouble not to say, and appear bad loans easily exposed. After all, small and medium-sized enterprise pool shallow water. Bank loans to have more like monopoly and business of real estate company, after all these enterprise loan not easy to a problem, the responsibility for lifelong work focus from the bank, the responsibility on the first, and does not have an accident is the first goal, project quality to become the minor things. Reserve rate rise, just to reduce the bank loans to small and medium-sized enterprises provide an excuse, no scale how to lend to borrowers. The big enterprise monopoly industries will be ready to loan does not improve the rate of the influence, because they usually does not need how many bank loans, Banks to tighten lending, they can depend on monopoly position to the user "borrow" money, power supply company accept prepaid electricity is a good example is, so this kind of way a lot, and loans to small and medium enterprises is different, the bank is to ask for these big corporate lending, in order to be able to give this kind of big corporate lending, Banks still competition, given the quite preferential rate.