Whilst studying the lending and the changing structure of the banking industry, Strahan and Weston (1998) find that SMEs get reduced of financing in the case large size banks forms merger or acquisition , whereas in the case forming merger or acquisition by small scale banks financing increases for the SMEs. They throw light on an occurrence which concerns to the fact that during the establishment of small scale banks merge diversification improved anti-risk capability of the banks subsequent to the merged and in this way they may well offer more financing to SMEs. However, with the added opening out of the banks’ size, they lean to financing to large size firms, consequently, the proportion of financing to SMEs tend to come down. On the other hand, authors have revealed based the findings of their study that big establishments are found to finance to bigger, grown-up SMEs with strapping financial proportions, and small establishments are revealed to be reliant more on soft information and financing to SMEs with which they have strapping associations relationships (Bergen et al, 2005). Given that SMEs play an ever more vital role, authors increasingly have started to examine financing to SMEs in the contexts of both developed and developing countries.
Cross-country studies conducted so far demonstrate that SMEs undeniably face large financing constrictions that obstruct the survival and growth of such firms. In this context, one of the most notable revelations is that asymmetric information stuck between the lender and the borrower of SMEs might impede financial institutions keenness to offer finance. This eventually would slow down the SMEs performance in terms of various growth indicators. In this context, Coluzzi, Ferrando and Martinez-Carrasca (2008) cited in Balling et al (2009), study the financing obstructions of five euro area countries (Germany, Spain, France, Italy and Portugal) making use of survey data gathered from SMEs made available by the World Bank. The findings of their study reveal that growing SMEs clearly grow up quicker than grown-up SMEs, however when it comes to financing challenge or accessibility of financing, the growing up SMEs have comparatively more financing constraints than the grown up. More specifically, as they reveal SMES the manufacturing and construction sectors are more probable to be hampered by non or restricted accessibility of which might be due to the far above the ground capital requirement for operation in these sectors
同时，对贷款和银行业结构的变化，斯特拉汉和Weston（1998）发现中小企业得到降低的情况下形成大型银行并购融资，而在该情况下，形成由小规模的银行对中小企业融资增加合并或收购。他们扔光的发生涉及到小规模银行的建立在合并多样化提高银行的合并，这样，他们很可能对中小企业提供更多的融资后的抗风险能力。然而，加上开放了银行的规模，他们更倾向于融资规模大的企业，因此，对中小企业的融资比例趋于回落。另一方面，揭示了基于他们的研究，发现金融大机构更大的结果，成熟的中小企业与金融机构和小比例的捆扎，发现是依赖于软信息，对中小企业融资与他们有关系的捆扎协会（卑尔根等人，2005）。鉴于中小企业发挥着越来越重要的作用，越来越多的作者已经开始检查融资在发达国家和发展中国家的背景下中小企业。
跨国家的研究到目前为止表明，中小企业面临融资约束不可否认大阻碍的生存和生长进行这样的公司。在这种情况下，最显著的一个启示是信息不对称的卡贷款人和借款人之间可能会阻碍中小企业的金融机构提供融资的敏锐。这最终会慢下来的各种生长指标方面的中小企业绩效。在这样的背景下，coluzzi，用马丁内兹carrasca（2008）造球等人引用（2009），研究五个欧元区国家的融资障碍（德国，西班牙，法国，意大利和葡萄牙）利用调查数据收集由世界银行提供中小企业。他们的研究结果表明，越来越多的中小企业成长的中小企业显然比成人快，但是当涉及到融资挑战或可访问性融资，中小企业的成长具有比长大了相对更多的融资约束。更具体地说，因为它们揭示了中小企业的制造业和建筑业更可能是非或限制性受到阻碍，可能会对由于远高于这些部门操作地面的资本要求
