The Role of Small and Medium-sized Commercial Banks in American Economic Development from the Data of Straight Flush Finance Network;

1. Any loan impact may be concentrated in some small and medium-sized banks.

2. The financial pressure and debt problems faced by enterprises have reduced the demand for bank loans, which has brought shocks to the loan business of small and medium-sized banks.

3. Small and medium-sized commercial banks account for a considerable proportion in the American banking system and have played a positive role in the development of the American economy.

4. Many small enterprises can't repay on time, which will lead to the increase of bad debts and loans of banks and increase the burden of banks.