Factors affecting to bank credit access of small and medium enterprises in Thai Nguyen province

Abstract

During the period of 2013- 2017, the number of small and medium enterprises (SMEs) of Thai Nguyen province
accessing bank credit tends to increase in the number and amount of borrowed capital. However, only 35% of
enterprises borrowed money from banks (State Bank of Thai Nguyen province branch, 2017). By result of 300
SMEs’s survey in Thai Nguyen province, using the method of exploratory factor analysis and multiple regression
the authors have pointed out the factors, the level of impact on the access to bank credit of SMEs such as
collateral, financial statements, business plans...Since then, there are solutions for SMEs in the coming time to
help businesses more proactive with financial resources for production and business.