Ku said that lending risks for SMEs had intensified significantly in the second and third quarters of 2012, and that the pricing of loans in the months since then had increased.
The report suggested that multiple factors, including a weak international economy, domestic economic restructuring and a slowdown in fixed-asset investment, had led to declines in SME confidence during the second and third quarters.
However, Jungkiu Choi, head of consumer banking at Standard Chartered China, said the challenges that SMEs now face were "temporary".
"China's SMEs have come through many domestic and international challenges with strong vitality and admirable energy," he added.
The report added that the country's economic recovery will become more obvious in 2013.
1.8 million students have taken NEEP. What motivate them to continue study rather than work?