The non-performing loan ratio of small and medium-sized enterprises remains high. Because dishonest people don't have to pay a high price, and the cost of default is low, it is common for small and medium-sized enterprises to evade bank debts. Therefore, in order to reduce the occurrence of breach of contract, we must strengthen the punishment for breach of contract and increase the cost of breach of contract. If there is no real and reliable credit punishment mechanism, small and medium-sized enterprises may resort to fraud in pursuit of their own excess interests.
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