It has the advantages of constructing a three-level credit guarantee system for small and medium-sized enterprises and a multi-level capital market to support scientific research and innovation; it has the disadvantages of high loan application requirements for small and medium-sized enterprises.

1. A three-level credit guarantee system for small and medium-sized enterprises has been constructed: This system covers a wide range of areas, from national to regional to community, and can provide guarantees of different natures and types for small and medium-sized enterprises. Helps small and medium-sized enterprises to obtain loans more efficiently and support their development and expansion.

2. Multi-level capital markets support scientific research and innovation: The U.S. credit guarantee system plays an important role in building a multi-level capital market. These capital markets can provide financing channels for enterprises, which are especially attractive for technological innovation enterprises.

3. High requirements for small and medium-sized enterprise loan applications: Applying for small, medium and micro business loans in the United States needs to meet a series of strict requirements, including credit history, financial status and business plan. This makes small and medium-sized enterprises face a higher threshold when applying for loans.