中小企业信贷配给成因——银行视角中小企业之所以成为信贷市场的配给对象,其原因可以从银行的贷款收入和贷款成本两个方面来考虑。就贷款收入而言,由于中小企业运营风险较高,收入的随机性强,违约情况较多,银行的收入没有保障。研究表明,企业规模和风险水平之间呈现明显的负相关关 SME credit rationing causes - Bank perspective SME credit rationing reason why the rationale for the market, the reasons for the bank loan income and loan costs from two aspects to consider. As far as loan income is concerned, the income of banks is not guaranteed due to the high operational risk of SMEs, the strong randomness of income and the more defaults. Research shows that there is a clear negative correlation between firm size and risk level