本文基于微观企业数据,实证研究了小微企业银行融资可得性的影响因素。研究显示,规模过小或成立时间较短的小微企业较难获得银行贷款,而与大中型企业不同小微企业存续年限对银行贷款可得性的影响并不呈倒U型。国有企业更易获得银行贷款,从而会对民营企业产生“挤出效应”。研究证实同等条件下在产业聚集区的小微企业更易获得银行贷款,主要原因是产业集群可降低银行信贷成本、缓解信息不对称性问题,且具有增信功能。此外,负债水平对小微企业银行信贷可得性具有门限效应,而从事电商活动有助于小微企业获得贷款。 Based on the micro-enterprise data, this paper empirically studies the influencing factors of the availability of financing for small and micro enterprises. Research shows that small and micro enterprises that are too small or have a relatively short establishment time are less able to obtain bank loans. However, the impact of the existence of small and micro enterprises with large and medium-sized enterprises on the availability of bank loans is not inverted U-shaped. State-owned enterprises are more likely to get bank loans, which will create “crowding-out effect ” for private enterprises. The study confirms that small and micro enterprises located in industrial agglomeration areas can obtain bank loans more easily under the same conditions. The main reason is that industrial clusters can reduce the bank credit cost, alleviate the problem of information asymmetry and have the function of increasing credit. In addition, the level of debt has a threshold effect on the availability of credit for small and micro-enterprise banks, and engaging in e-commerce activities helps small and micro-enterprises obtain loans.