An impaired banking system, it is argued, starves businesses, particularly small and medium-size enterprises (SMEs), of the funds they need to expand. In September 2008, US President George W. Bush wanted to “free up banks to resume the flow of credit to American families and businesses.”
流行的观点通常强调供给受限以及纠正这一问题的政策。该观点认为，受损的银行系统让企业困于缺乏扩张所需要的资金，特别是中小企业。2008年9月，美国总统小布什希望“解放银行以使信用重新流向美国家庭和企业。”