<s>[INST] The next text is a question of a member of the European parliament:"Τhe main issue with the socioeconomic fabric of Cyprus is the ongoing closure of SMEs due to liquidity problems and high borrowing rates.  The intervention by the European Investment Bank, which has channelled liquidity to SMEs in the form of soft loans from Cypriot banks, has proven ineffectual to date. That is because the new EIB money never ultimately reaches SMEs or because the involvement of the banks increases the borrowing rate or because the entire effort becomes bogged down in procedure and bureaucracy.   In my opinion, if it is to provide effective support to SMEs, the European Union must immediately provide funding for businesses either by changing the procedures involved or by forcing the EIB to finance businesses directly.  In view of the above, will the Commission say:      1.  Does it intend to initiate more effective support mechanisms for SMEs?       2.  Is there a way of collaborating with the EIB with a view to directly supporting SMEs without intermediaries and endless bureaucratic procedures?"
Analyze carefully the text and assign it to the most relevant policy area among those listed below. Do not explain your answer and return only a number.
Policy area numbers: 1 = Macroeconomics
2 = Civil Rights, Minority Issues and Civil Liberties
3 = Health
4 = Agriculture and Fisheries
5 = Labour, employment and pensions
6 = Education
7 = Environment
8 = Energy
9 = Immigration
10 = Transportation
12 = Law and Crime
13 = Social welfare
14 = Regional and Urban issues and Planning
15 = Banking, finance and domestic commerce issues
16 = Defence
17 = Space, science, technology, and communications issues
18 = Foreign trade
19 = International affairs and foreign aid
20 = Governance and government
21 = Public Lands, Water Management and Territorial Issues
23 = Culture and media
[/INST]. Answer = [1]. </s>
Τhe main issue with the socioeconomic fabric of Cyprus is the ongoing closure of SMEs due to liquidity problems and high borrowing rates.  The intervention by the European Investment Bank, which has channelled liquidity to SMEs in the form of soft loans from Cypriot banks, has proven ineffectual to date. That is because the new EIB money never ultimately reaches SMEs or because the involvement of the banks increases the borrowing rate or because the entire effort becomes bogged down in procedure and bureaucracy.   In my opinion, if it is to provide effective support to SMEs, the European Union must immediately provide funding for businesses either by changing the procedures involved or by forcing the EIB to finance businesses directly.  In view of the above, will the Commission say:      1.  Does it intend to initiate more effective support mechanisms for SMEs?       2.  Is there a way of collaborating with the EIB with a view to directly supporting SMEs without intermediaries and endless bureaucratic procedures?