1.1 Problem Statement of the Study
A sound SME sector is maintained to be decisive for sustainability of economic development in a just now industrialized country, specifically a country going through shift from planned to market economy (Junjie, Jining and Catherine, 2008). Even though it is normally approved that SMEs have considerable giving on a country’s economic development, this sort of enterprises are question to financing complexities , predominantly those in developing or transitional economies. There is little proof of shortage of financing for SMEs in the majority of developed economies such as US, UK and Japan . However, there is a extensive difficulty of SME access to finance in developing or transitional economies (OECD, 2006). Today China as developing and transitional economy is ranked as the second largest economy in the world after the US, and when it comes to developing countries, it the first largest. SMEs play a significant role in Chinese economy. As evidently in 2009, SMEs in China threw in 35 percent of the country’s total GDP, however, SMEs access to financing accounted for just 6 percent of the total (Jiaobin and Yuanyi, 2011). For this reason, the issue of financing has turned out to be the major concern for SMEs in China. This study examines banking market concentration and SMEs bank financing difficulty in China, one of the leading developing or transitional economies in the world that accomplished most fast economic growth.
本研究1.1个问题陈述
健全中小企业部门保持在现在的工业化国家，经济发展的可持续性是决定性的，特别是一个国家经历了从计划经济向市场经济（俊杰，济宁和凯瑟琳，2008）。虽然它通常是通过中小企业有很大的对一国经济的发展，这类企业融资的复杂性问题，主要是那些在发展中国家和转型经济体。这是对发达经济体如美国大多数中小企业融资不足点证明，英国和日本。然而，有一个广泛的中小企业获得融资的难度在发展中国家和转型经济体（OECD，2006）。今天，中国作为发展中国家和转型期经济排名为世界第二大经济体后的美国，而在发展中国家，它的第一大。中小企业在中国经济中发挥重要作用。显然在2009，中小企业在中国把国民生产总值的百分之35，然而，中小企业获得融资仅占总数的百分之6（jiaobin和元一，2011）。因为这个原因，融资难问题已经成为中国中小企业的主要问题。本研究探讨银行业市场集中度和中小企业银行融资难的在中国，一个领先的发展中国家和转型经济体在世界上经济增长最快完成。
