关键词: 小银行优势, 银行特征, 银企关系, 企业特征, 信贷可得性

Abstract:  Driven by the “entrepreneurship and innovation” trend, market players are active, and SMEs(small and medium enterprises) are performing well, but their financing problems are still severe Taking listed SMEs as samples, the influencing factors of their credit availability are regressively analyzed by using loan data, in order to promote the development of SMEs and the high-quality development of Chinas economy The results show that the phenomenon of “small bank advantage” still exists when banks lend SMEs, and the bank-enterprise relationship can significantly improve the credit availability of enterprises; bank innovation can enhance their competitiveness and then promote the credit availability of enterprises; mortgage loan can reduce the credit availability Finally, according to the empirical results, multi-level suggestions are given: the government should continue to promote the development of small and medium-sized banks; small and medium-sized banks should use financial technology to drive innovation, taking products as cutting edge and talents as internal forces; banks should implement differentiated mortgage policies and design replacement mechanism: exchanging effective soft information for lower requirements of credit mortgage; SMEs should establish a long-term close relationship with multiple relationship banks, and set the threshold of financial-related executives to maintain their relationship depth

Key words: small bank advantage, bank characteristics, relationship between bank and enterprise, enterprise characteristics, credit availability