本文结合现有的理论研究成果,阐述了当前中小企业融资的主要制约因素,利用工行常州分行567户中小企业有贷户的数据实证分析了中小企业融资可得性的影响因素。研究结果显示,企业的盈利能力、押品评估价值、银企合作、信用等级等因素对中小企业融资起到促进作用。 Based on the existing theoretical research results, this paper expounds the main constraints on the financing of SMEs. Using the data of 567 SMEs in ICBC Changzhou Branch to analyze the factors that affect the availability of financing for SMEs. The results show that the profitability of enterprises, the value of collateral assessment, bank-enterprise cooperation, credit rating and other factors play a facilitating role in the financing of SMEs.