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首页> 外文期刊>Ekonomska Istrazivanja >Determinants of perceived bank financing accessibility for SMEs: evidence from an emerging market
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Determinants of perceived bank financing accessibility for SMEs: evidence from an emerging market

机译：中小企业对银行融资渠道可及性的决定因素：来自新兴市场的证据

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To contribute to the small and medium-sized enterprises (SMEs) financing literature, this paper uses a unique sample of 492 Turkish SMEs to analyse the firm-level determinants of SME perceptions of bank financing accessibility. Logistic regression results reveal that older and relatively more innovative firms are more positive about their ability to secure bank loans, as are SMEs that have longer relationships with their oldest banks. Firms with two owners are more inclined than firms with a single owner and firms with three or more owners to perceive accessing bank loans as easy. This finding signals that although bank loan applications of firms with two owners have higher credibility than those of firms with a single owner, having more than two owners creates more complex agency problems for banks. Compared with firms incurring a loss, firms that make a profit or break even perceive it to be easier to obtain bank financing. SMEs in the service industry are more positive about accessing bank loans than are firms in manufacturing and other industries.
机译：为了对中小企业融资文献做出贡献，本文使用了492个土耳其中小企业的独特样本来分析企业层面的中小企业对银行融资可及性看法的决定因素。 Logistic回归结果显示，较老和相对创新的公司对获得银行贷款的能力更加乐观，与最老的银行有较长关系的中小企业也是如此。具有两个所有者的公司比具有单个所有者的公司和具有三个或更多所有者的公司更倾向于获得银行贷款。这一发现表明，尽管拥有两个拥有人的公司的银行贷款申请比拥有一个拥有人的公司的银行贷款申请具有更高的信誉，但是拥有两个以上拥有人的公司给银行带来了更为复杂的代理问题。与蒙受损失的公司相比，获利或收支平衡的公司认为获得银行融资更容易。与制造业和其他行业的公司相比，服务行业的中小型企业对获得银行贷款更为积极。

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