The loan conditions of banks to state-owned enterprises and central enterprises are not stricter than those of private enterprises and small enterprises. Powerful state-owned enterprises and central enterprises can get loans with credit and low prices.

State-owned enterprises and central enterprises are the homes on which local people depend for survival, and many people depend on state-owned enterprises for survival for generations. Even if the state-owned enterprises or central enterprises are in poor operating conditions, local governments will find ways to keep them alive through restructuring or mergers and acquisitions. Therefore, it is difficult for state-owned enterprises or central enterprises to close down, and the loan conditions of banks for state-owned enterprises and central enterprises are not particularly strict.