新巴塞尔资本协议的提出不仅为中小企业融资设置新的障碍,也给作为资金供应方的银行提出新的要求。融资难始终是阻碍中小企业发展的瓶颈,新巴塞尔资本协议的提出,使企业本已受限的借贷条件变得更加严苛。在新巴塞尔资本协议的框架下计算监管资本要求的关键元素是交易对家的信用质量,这对通常信用评级不高的较小实 The proposal for a new Basel Capital Accord not only sets new hurdles for SME financing but also sets new demands on the banks that serve as funding providers. Financing difficulties are always the bottleneck impeding the development of SMEs. The proposal of the New Basel Capital Accord has made the already limited lending conditions of enterprises more stringent. A key element of calculating regulatory capital requirements within the framework of the Basel Capital Accord is the credit quality of the counterparty to the home, which is less important for a credit that is not usually rated credit