Yes and no. The US banking system uses a pretty complicated maze to spread risks. Banks help you organize a bond sale/auction, then "investors" buy your bonds (usually it goes for lower than nominal price .. but sometimes not http://www.livemint.com/Money/sM11Y0RuGHmvUiGFVgNecL/Corpora... ), and then other banks and institutions buy your bond (invest in it).

I’m sorry do you have a citation? I was able to get a line of credit and an installment loan from a bank for my small business. We didn’t do stocks, private equity or real estate.

This is FUD. Billions of dollars are loaned to businesses (for purposes besides those you list) every year. See for example the SBA annual report (available online for free on sba.gov).

SBA loans are guaranteed by the government. They are zero risk loans for bankers, in other words, it is just another way to subsidize the banking industry.

So that’s two more things than you can get a loan for from a Chinese bank if you aren’t an SOE (they only support real estate speculation).