The availability of credit is a bigger concern for business than it was a year ago but not much of a concern in the overall scheme of things.The risk management consultant and insurance broker, Aon, released its latest Australasian Risk Survey this week, showing that availability of capital and credit came in at number 17 in the list of top 20 risk concerns.Availability of capital and credit was listed at number 18 last year.Top of the list are brand and image, the economy, regulatory and legislative change, and business interruption.Companies that participate in the Aon survey tend to come from the big end of town: 38 per cent have revenues between A$100 million and $1 billion, and 35 per cent have revenues of more than $1 billion.Issues that increased in importance include business interruption, natural disasters and lack of innovation.For bankers, the message is that they will have to compete hard for corporate and institutional lending business, as they have had to do over the past few years.