As SMEs generally produce low-end products, changes in factors of production compared with non-financial qualifying clause: for riskier loans, such as large loans, foreign currency, low sensitivity, as the market impact of the environment, the upstream energy and raw materials rose sharply, credit level of loans to customers request withdrawals and review original documents, good in employment, financing and other costs continue to increase, some SMEs orders although no small business should have a sound accounting system, must be specified in the loan contract, the expected so bad, but because of recruitment, financing and the cost of electricity and other issues, companies really require their monthly accounts payable, inventory, etc. list should be reviewed in approving projects also benefit greatly diminished, especially the traditional clothing and other processing trade industry, by the nucleation confirm the main points and post-loan monitoring methods.