The Research To The Influential Factors Of Rural Small And Microenterprises’ Credit Avail Ability

The development of rural small enterprises has important economic and social significance. Since 2011, being affected by the fluctuation of the international economy, China’s economic growth is slowing. Environmental deterioration in the business instead more to stimulate the rural small micro enterprise demand for capital. Due to the small asset scale, operating risk governance structure simple, lack of collateral, the limitation of their adverse factors such as the relatively large, many of the existing rural small micro enterprises to meet the bank loan credit requirements. Rural small micro enterprise credit problems are in the prominent position. Solve the rural small enterprises "credit difficult" problem, the first thing you need to find out the cause of the dilemma. According to the current reality of China credit market, the bank cannot meet the needs of rural small micro enterprise for capital is not due to lack of loanable funds, but Banks reluctant to lend under the basis of have the funds for rural small micro enterprise. Investigate its reason, the most fundamental is the asymmetric information bank of rural small micro enterprise cannot be obtained under the condition of complete and true information, or because the loan limit, screened the high cost and make the bank actively of rural small enterprises to obtain true information, thus caused to the rural small micro enterprise credit rationing.This paper summarizes the information asymmetry and credit rationing theory, relationship lending theory, information screening theory, on the basis of combing the from the perspective of bank screening technology research influence factor of small micro enterprise credit availability related theory of literature, and combining the current our country the status quo of rural small micro enterprise credit availability analysis of bank data to study and research based on bank separate the wheat from the perspective of rural small micro enterprise credit availability factor.The main research content includes the following three aspects:(1) is introduced at present our country present situation and characteristics of rural small micro enterprise credit availability, from capital demanders, suppliers and the external environment three Angle analysis the cause of rural small micro enterprise credit difficult. The sample area and the small micro enterprise loans and do descriptive statistics analysis of influencing factors. (2) according to the theory of relationship lending will affect rural small micro enterprise credit availability of screening technology factors into two categories:one is based on the financial statements of the hard information type loans and mortgages technology, another kind is the factors of using multiple regression model based on soft information investigation gradually after joining the hard information related variables of financial statements and the mortgage on the rural small micro enterprise credit availability affect the degree of change. Through stepwise regression model, we can see that after the soft factors hard information factors on the influence of rural small micro enterprise credit availability decline gradually. (3) on the basis of the conclusion of theoretical analysis and empirical test, and puts forward relevant policy Suggestions:change value of collateral credit concept; Mortgage rich varieties, perfect the guarantee system; Establish and improve the small micro enterprise credit reporting system;Improve the level of bank screening technology; Explore new lending technology suited to the characteristics of the small micro enterprise financing.