The document discusses developing a uniform credit rating system for small and medium enterprises (SMEs) in order to improve their access to financing. It notes that SMEs often fail due to financial reasons and poor management. Currently, banks evaluate SMEs differently without a standardized approach. The document proposes creating an SME Credit Rating system that would develop uniform rating parameters and a process to assess SMEs. This would provide a more comprehensive and reliable evaluation of SMEs for financiers, improve data on SME performance, and increase SME access to more affordable credit.