A Research On SMEs' Loan Availability Based On The Different Types Of Chinese Banks

China's economic development has beset by the financing problems of SMEs for a long time asper the credit constraint of commercial banks on SMEs is very serious.However,in recent years,we can see the increasing competition in the banking industry is evident in the credit market of SMEs as the large state-owned commercial banks have finished the Joint-stock reform and the city commercial banks and rural commercial banks have experienced a rapid development accompanied by the reform of their ownership has been completed.So,how much difference of the credit support to SMEs with different types of commercial banks? What are the intrinsic factors of it? These problems are of great significance to solving the current financing problems of SMEs and even deepening the structural reform of the financial supply side.This paper used the bank loan data of 317 SMEs in the past 2008-2017 years and made three empirical analysises on the credit support to SMEs with different types of commercial banks.The analysises were based on the horizontal view of asymmetric information and the longitudinal view of the growth of bank scale respectively and also combined with "The advantage of small bank" hypothesis,"long-term interaction" hypothesis and "scale matching theory".First of all,this paper analyzes based on the principle of information asymmetry and draws the conclusion that small banks can significantly alleviate the credit constraint problem caused by information asymmetry in SMEs.Then,this paper further studies the internal factors that small banks alleviate the credit constraints which the conclusion shows that the long-term interaction is not the reason for small bank can reduce the credit constraint of information asymmetry on SMEs.Finally,this paper studies the changes of enterprise loan investment with different types of bank scale growth.The conclusion shows that,the large state-owned banks are more prominent in the credit support to SMEs which more influenced by policy maybe.Finally,according to the results of the empirical study,we put forward relevant policy suggestions from three perspectives of the enterprise,the bank and the government.