The Bank of Thailand (BoT) has identified a critical SME credit access crisis, with rejection rates reaching 60-70% overall and up to 90% for new/risky borrowers. The central bank plans three support measures to push SME lending to 200 billion baht annually, addressing structural economic issues including stalled GDP growth (2.3% forecast for 2025 vs. 3-4% potential), declining SME contribution to growth, and persistent financial inequality. High interest rates (6.9% for SMEs vs. 3.9% for large firms) and credit cost barriers are key obstacles.