Резюме: Due to the aggravating effect of the financial and economic crisis, many SMEs have difficulty in accessing finance. Consequently, Members encourage the European Commission to continue its efforts in promoting national-level implementation of the 'Think Small First' principle, which implies a further simplification of the regulatory and administrative environment for SMEs. The European Parliament recalls that banking institutions which have benefited during the crisis from state aid should be subject to targets for their financing amounts and conditions for SMEs. Because of the fragmentation of the banking sector and the subsequent great divergence in lending rates and credit offer among countries, it calls for a differentiated approach to improving SMEs' access to funding is necessary, taking into account the country-specific circumstances.