A Research That About "Credit-Crunch"in Bank Of Behaviour Finance Theory In Micro-Enterprises

The development of Micro-enterprise has a great efficacy of promote economic. In fact, a lot of support in financing that play a crucial role when the development of Micro-enterprise. In China, the number is rapid increase of Micro-enterprise, moreover that main financing source from bank credit facilities. Actually, there is a main operating characteristic that directly restricts the survival and development of Micro-enterprise, such as "Credit-Crunch", that from the operational risks, management and control that impact of bank making the loans decision. The Credit-Crunch directly restricts survival and development of Micro-enterprise, and many scholars explain this phenomenon from traditional finance theory. However, the Credit-Crunch may not to explain in economic phenomenon, since of that is a behaviour and not a theory. Overall, explain the causes of the Credit-Crunch should be analysis from two parts. Firstly, it is analysis the behaviour about influence of external environment. Secondly, it is such as cognitive activity in the internal psychological of human.This article collating information and related research form Chinese and foreign at first. Next is make related data analysis to finding gaps of credit financing situation in Micro-enterprise on nowadays. Moreover, make use of questionnaires to summary date information from some banks in Lanzhou City that helps to investigate the behaviour about the credit facilities of Micro-enterprise (Type of sample, ex:State-Owned Bank, Joint-Stock Bank, City-Commercial Bank). Least not the last, analysis data statistics and theories of Behavioural Finance which should helpful to analysis and investigation of Credit-Crunch, the reason is that a good view of point to analysis the Credit-Crunch what method could be better integration of external environmental factors and psychological cognitive perspective. Finally, this article will make the conclusion of analysis the Credit-Crunch and give relevant policy recommendations to Micro-enterprise.