This study was aimed at exploring and analyzing the problem of financing SMEs in China by local commercial banks and foreign banks’ role in financing SMEs in the country. The study hasrealized these objectives: to explore and analyse the structure and access of financing SMEs in China; to explore and analyse the problemsof financing SMEs in China; to explore and analyse the local commercial banks failure in financing SMEs in China; to analyse the role of foreign banks in financing SMEs in China. The position of SMEs in Chinese economy is analysed in comparison to large enterprises, using China SME Development Report, 2005. Further, sources of financing SMEs in comparison to large enterprises are analysed using the data of China Enterprises Survey System, 2010. Moreover, loans to SMEs from banks in China is analysed using China Statistical Yearbook, 2009. Further regression analysis of results regarding provincial SMEs per capita in relation to the overall numeral of banks in the provinces, provincial GDP per capita, stage of development in infrastructure in the provinces is conducted.Finally Further regression analysis of results regarding logarithm provincial SMEs per capita in relation to partof foreign bank in the country’s provinces, logarithm of provincial GDP per capita, logarithm of stage of infrastructure growth in the country’s provinces, is conducted. The results of the study demonstrate that banks are the principal source of financing for China’s rising financial system, with the banking and credit sector. On the other hand, SMEs are positioned in difficult state of affairs in China when it comes to accessing direct bank loans in comparison to larger firms. The competition amid local banks put constructive result on SMEs financing when it comes to particularly provinces in China. State-owned banks have the leading position in provincial banking market of China and so SMEs failure of getting substantial external or formal sources of financing is not about accessibility. Enhancement in the part of foreign banks does not have helpful cause on the numeral of SMEs per capita.
本研究的目的是探索和地方商业银行，在全国中小企业融资的作用，分析外资银行在中国中小企业融资难问题。本研究实现了这些目标：探讨和分析中国中小企业的融资结构和访问；探讨和分析中国中小企业融资难的问题；探讨和分析在中国中小企业融资的地方商业银行的失败；分析外资银行在中国中小企业融资的作用。在中国经济中的中小企业的地位是在大企业的比较分析，结合中国中小企业发展报告，2005。此外，在大企业相比中小企业融资来源是利用中国企业的调查数据分析系统，2010。此外，对中小企业的贷款从银行在中国使用了中国统计年鉴，2009。对于有关的省银行整体数字人均省中小企业进一步的回归分析的结果，省的人均GDP，在各省的基础设施的发展阶段进行。以对数省中小企业人均在全国各省部分外资银行关系结果进一步的回归分析，省级人均GDP的对数，在全国各省的基础设施发展阶段进行对数。研究结果表明，银行是中国新兴的金融体系融资的主要来源，与银行信贷部门。另一方面，中小企业位于中国事务困难的状态时，在大企业比较访问直接银行贷款。比赛在当地银行提出建设性的结果对中小企业融资的时候，特别是在中国各省。国有银行已经在中国省级银行市场的领先地位，因此中小企业失败或正式获得实质性的外部融资来源是不可。在外资银行的部分增强没有对中小企业的人均数字有用的原因。
