商业银行是社会间接融资的主体，更是支持中小企业发展的主导力量。由于商业银行缺乏支持中小企业融资的内在动力，所以融资难的现状没有得到根本解决，究其根源在于现行的存贷利差实际上是相对的恒利差体制，客观上鼓励商业银行做大放小。推进利率市场化、缩小存贷利差是促使商业银行选择中小企业作为主要客户的根本途径，是我国经济、金融体制改革的重要内容之一。%Commercial Banks, as a mainstay of social indirect financing, it also a main power in the development of small and medium-sized enterprises （SMEs）. Recently, government agencies in various regions made policies to alleviating this finance problem, in the mean time, Commercial Banks also try to find a way to figuring out this problem, such as set up small businesses banking. But all of these measures do not work effectively. The fundamental reason is Commercial Banks are lack of a powerful internal dynamic to financing SMEs, because of deposit and loan interest spread is actually relatively constant, it will encourage Commercial Banks to supporting big com- pany but SMEs. From Taiwan＇ s customer structure, we conclude that narrowly deposit and loan interest spread is the ultimate reason of Taiwan＇ s Commercial Banks chose SMEs. It is time that solve the problem of relatively fixed deposit spreads, then we can change commercial bank＇ s profit model, we also can improve commercial bank＇ s will to support SMEs. Therefore, we should promote interest rate marketization and narrow the deposit and loan interest spread. Only by this way, Commercial banks will choose SMEs as main target customers.
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