Our Empirical Study of bank loans accessibility influence factors for SMEs

DOI

10.2991/icaicte.2013.22How to use a DOI?

Keywords

SME; bank loans; influencing factors

Abstract

In this paper, we use the basic data of SMEs, released in 2007-2010 on News of China's listed companies, and randomly select samples of 100 small and medium enterprises. We also utilize the bank loans availability as a proxy variable to build a multiple linear regression model. In a word, our empirical research further affirms the existence of “the discrimination of scale” in the process of SMEs financing, verifies the severity of credit constraints in our small business, and shows that the bank lending policies using fixed assets as the collateral exacerbate the plight of small business financing.

Copyright

© 2013, the Authors. Published by Atlantis Press.

Open Access

This is an open access article distributed under the CC BY-NC license (http://creativecommons.org/licenses/by-nc/4.0/).

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TY  - CONF
AU  - Hongmei Sun
AU  - Lei Cen
AU  - Na Jiang
PY  - 2013/08
DA  - 2013/08
TI  - Our Empirical Study of bank loans accessibility influence factors for SMEs
BT  - Proceedings of the 2013 International Conference on Advanced ICT and Education
PB  - Atlantis Press
SP  - 106
EP  - 109
SN  - 1951-6851
UR  - https://doi.org/10.2991/icaicte.2013.22
DO  - 10.2991/icaicte.2013.22
ID  - Sun2013/08
ER  -