THE CREDIT CONSTRAINTS OF SMALL AND MEDIUM NTERPRISES IN TIEN GIANG PROVINCE OF VIET NAM

Abstract

This paper investigated the credit constraints by the SMEs in Tien Giang province of Viet Nam. Data used were collected from direct interviews 190 SMEs in production and trading sectors. By using the multiple regression analysis, the findings showed that the asymmetric informaton proxied by the Collateral, Credit insurance and Relationship time between SMEs and Banks is significantly affecting on the credit constraints of the SMEs in Tien Giang province of Viet Nam. Regarding to given results, possible implications are mainly considered as follows.