Thailand's central bank (BoT) is proposing enhanced credit guarantee mechanisms for SMEs in coordination with the SME Credit Insurance Corporation (SCIC), targeting annual lending of approximately 100 billion baht. The SME Credit Boost program has already approved 65.3 billion baht in loans over 6 months. The BoT highlighted that SMEs face structural disadvantages—with credit costs at 9.7% versus 2% for large enterprises—making banks reluctant to lend to them. Additionally, restructuring efforts have processed 158,188 debt accounts and reduced 19 service fees to support SME cash flow.