【摘要】 中小企业融资问题是世界性难题之一,而在中小企业的外源融资途径中,银行贷款又占了最主要的地位,因此,研究影响中小企业银行贷款可获得性的因素,从而找到缓解中小企业的融资难问题的办法有着重要的理论与实际意义。本文基于对广西柳州市中小企业的调研数据,研究在中国西部中等城市,企业特征如何影响银行对其贷款的供给意愿。更多还原

【Abstract】 The problem of SMEs financing is a world-wide problem.In all of the external financing channels for SMEs,the bank loans has accounted for the most important position.Therefore,researching on the factors affecting the availability of bank loans for SMEs,finding ways to relief SMEs’ financing stress has important significance.This article is based on data of SMEs in Liuzhou,Guangxi province——a medium-developed city in China,thus we can find out business characteristics of SMEs which can affect the availability of bank loans.更多还原