SMEs, given that they are not capable to finance themselves in the course of kept earnings or equity financing(Cook, 2001; Whincop, 2001). In the face of the fact that financing is a foremost reason for development of SMEs, various studies and government reports around the world have documented that SMEs face problems whilst accessing to bank finance. even though, a significant number of research studies and government reports have confirmed that the access to finance has been a foremost problem in the SME sector, a review of the literature in relation to this area points out there is a noteworthy gap in facts the problems of accessing bank finance by the SMEs in developing countries, counting China.
Smaller the enterprise, there is high risk entailed for the reason that such enterprises have high collapse rate comparing larger enterprises. For illustration, Schiffer and Weder (2001) conducted a study with the sample of firms across various countries and revealed that there was a negative relationship amid the size of an enterprise and the risk it may pose for a lending bank. On the other hand, Lopez- Gracia and Arias (2000) find that that the SMEs possibly will themselves limit their financial formation with the plan of staying away from the necessity to divide up power of the management with organisations. A number of studies are obtainable in the literature that examines the factors of bank financing and credit. Nevertheless, these studies are restricted to one group of determinants and do not present a general representation of factors of access to credit. For illustration, numerous studies have utilized human capital theory and have applied demographic changeable of the owner/manager of SMEs whilst accessing credit from banks.
中小企业，因为他们没有能力为自己融资过程中保持收益或股权融资（厨师，2001；whincop，2001）。在事实上，融资是中小企业发展的一个重要原因的脸，各种研究和世界各国政府的报道表明中小企业面临的问题，同时获取银行融资。尽管如此，研究和政府报告证实，获取资金已在中小企业部门的一个最重要的问题相当多，在与该地区分文献有事实访问银行融资的中小企业在发展中国家的问题值得注意的一个缺口，计数中国。
规模较小的企业，有高风险的需要，这样的企业有较高的倒闭率比较大的企业的原因。最后，希弗和韦德（2001）进行了在不同国家的公司样本的研究显示在一个企业，它可能会带来一个贷款银行风险的大小呈负相关。另一方面，洛佩兹-格拉西亚和阿里亚斯（2000）发现，中小企业可能将自己限制在远离必要划分的管理权力组织计划财务组。许多研究探讨银行融资和信贷的因素的文献是可信的。然而，这些研究大多局限于一组的决定因素和不存在信贷因素的一般表示。最后，许多研究利用人力资本理论和应用的人口变化对中小企业的所有者/经理而从银行获得信贷。
