Best way to help small business? Not banks

Why is the administration begging banks to loan money to small businesses, when it has under its wing the Small Business Administration?

Instead of giving direct loans as it once did it is depending on the banks to make loans to small businesses. As it stands now a small business corporation must be turned down by two banks for a loan before the Small Business Administration will get involved.

Obviously the banks, without regulation, are not a dependable source for deciding who should get loans and who should not.

The Small Business Administration should be in the business of helping Small Business grow. I cannot see how the extra cost of administration with the banks helps in this area.