[SMU Board of Trustee] Sanjiv Misra shares the factors banks would consider before making out loans to businesses, and pointed out that most banks would tend to favour meting loans to other enterprises or large Singapore companies over SMEs.  Associate Professor Annie Koh, Associate Dean at the Lee Kong Chian School of Business, says that the Economic Strategies Committee recommendations for local enterprises, especially small-medium enterprises (SMEs) are like ?a breath of fresh air'.