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An Empirical Analysis of Influential Factors of SMEs Trade Credit Financing
Author: ZuoShuBo
Tutor: WangXiao
School: Jinan University
Course: Business management
Keywords: SMEs Commercial credit financing Values
CLC: F275
Type: Master's thesis
Year: 2009
Downloads: 684
Quote: 4
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Abstract
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In economies in transition period , due to asymmetric information , the bank in order to avoid the risk of moral hazard and adverse selection , small and medium enterprises in the financing process facing credit rationing, corporate banking credit facilities with considerable difficulty . When the enterprise can not be financed through bank credit , commercial credit as a form of \an important alternative. Already influencing factors for of SME commercial credit financing research focused at the organizational level , \\This article through questionnaires and interviews , from \Through empirical analysis , the main conclusions of this paper are: enterprise scale and the number of the bank 's cooperation , the business situation of enterprises and SME Business Credit financing has significantly negative sexual relationship ; values ??the integrity of the factor , and the Confucian values ??factor on the small and medium-sized have a positive impact on the relationship between business owners values ??, conservative negative factor for small business owners commercial credit financing ; gender of small business owners and their commercial credit financing no significant sexual relationship between the age of small business owners Business credit financing has a significant positive correlation between academic and commercial credit financing for SMEs has a significant negative sexual relationship .
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CLC: > Economic > Economic planning and management > Enterprise economy > Corporate Financial Management
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