Analysis on the Small and Medium-Sized Enterprise Financing Bank Loans Availability

Abstract

Indirect financing is bank credit financing, this is the main source of funds of our country small and medium-sized enterprise.Fang Gang believes that the current urgent need to develop non state owned bank is an effective way to solve the financing of small and medium-sized enterprises.In a variety of exogenous financing channel of small and medium-sized enterprises, bank loan is one of the most important financing channel.This paper do empirical research about financing bank loans availability of small and medium-sized enterprise for to our country. The results show that, in general, enterprises in the credit rating, longer enterprise age, status of the enterprise market, enterprise's profit ability and provide collateral ability, enterprise is the enterprise and enterprise in the economy is more developed areas and other factors, has significant influence on enterprise ability to get loan.