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N. A. Berger and G. F. Udell, “Small Business Credit Availability and Relationship Lending: The Importance of Bank Organizational Structure,” Economic Journal, Royal Economic Society, Vol. 112, No. 447, 2002, pp. F32-F53. doi:10.1111/1468-0297.00682

has been cited by the following article:

• TITLE: Study on the Efficiency of SMEs’ Bank Financing in Clusters

  AUTHORS: Ke Liu, Lan Wang

  KEYWORDS: Bank Financing; Strategic Development Management; Clusters

  JOURNAL NAME: iBusiness, Vol.5 No.3B, November 8, 2013

  ABSTRACT: The critical factor in business strategic development process is financial resources. In this paper, we develop a model that examines how small and family firms got financial resources from the bank and explore how different levels of relationship affect the efficiency of bank financing. Based on literature review and field study, the research reveals that the inter-person relationship and inter-firm relationship facilitate the reputation of firm and then promote the bank financing performance. Further, practical suggestions are discuss for small and media firm in clusters.