Women, too, are less likely to have collateral and are more likely to be impacted as commercial banks tighten lending requirements to small and medium-sized enterprises.

妇女不太可能获得担保，但当商业银行收紧对于中小型企业放贷的要求时，她们却最有可能遭到冲击。

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However, statistics show that the consumer line of credit has not yet exceeded the size of its credit 10% of the total scale, some small and medium-sized city commercial Banks and even less than 1%.

但统计表明，各行消费信贷的规模仍未超过其信贷总规模的10%，有的中小城市商业银行甚至不到1%。

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The Dow Jones Industrial Average (DJIA) barely budged during the decade, so initial public offerings were scarce and small and medium-sized companies only had access to loans from commercial banks and a handful of insurance companies.

FORBES: China's Developing Capital Markets