Entrepreneur Ability, Credit Rating And The Credit Availability Of SMEs

Small and Medium sized Enterprises(SMEs) is the driving force of economic development and job enlargement.But the credit rationing encountered by SMEs in the credit market seriously hindered their further development.Entrepreneurs play the core role in SMEs.Entrepreneur ability is a kind of scarce resources with competitive advantage in SMEs,which has significant effect on business operation.On that basis,this text started with the definition of entrepreneur ability,introduced the concept of SMEs credit rating as a connection point to discuss if and how the entrepreneur ability will effect on the SMEs credit availability,in order to make some enlightening and constructive suggestions on SMEs credit availability promotion.This text concluded the effect transmission mechanism of entrepreneur ability on SMEs credit availability,namely,by the two patterns of"directly and indirectly inserted into" credit rating and by the mediating effect of enterprise performance.The research data of this text were gathered from SMEs in districts of Jiangsu and Zhejiang Provinces by the way of questionnaire surveys.The hypotheses testing results based on these data verified the conclusion of the effect transmission mechanism.