Proceedings of the 2013 International Conference on Advanced ICT and Education

Our Empirical Study of bank loans accessibility influence factors for SMEs

Authors
Hongmei Sun, Lei Cen, Na Jiang
Corresponding Author
Hongmei Sun
Available Online August 2013.
DOI
https://doi.org/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.
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Proceedings
2013 International Conference on Advanced ICT and Education (ICAICTE-13)
Part of series
Advances in Intelligent Systems Research
Publication Date
August 2013
ISBN
978-90786-77-79-6
ISSN
1951-6851
DOI
https://doi.org/10.2991/icaicte.2013.22How to use a DOI?
Open Access
This is an open access article distributed under the CC BY-NC license.

Cite this article

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  - 2013 International Conference on Advanced ICT and Education (ICAICTE-13)
PB  - Atlantis Press
SN  - 1951-6851
UR  - https://doi.org/10.2991/icaicte.2013.22
DO  - https://doi.org/10.2991/icaicte.2013.22
ID  - Sun2013/08
ER  -