中文摘要：

银企关系中的信任有助于缓解银行信贷活动的信息不对称,对改进小微企业信贷管理有重要启示。已有研究关注银企关系中的信任问题,但主要集中于银行信任,尚无对小微企业信任的研究。通过在湖南、广东两省开展问卷调查以收集研究数据,对小微企业信贷实践中的企业信任展开实证研究,结果显示：（1）小微企业对银行持有较高的信任与其贷款可获得性正相关;（2）小微企业对银行的信任降低了其在申请贷款时气馁的可能性;（3）小微企业对银行的信任受到企业特征、企业主特征和银企关系等因素的影响。

英文摘要：

The trust relationship between lending banks and borrowing enterprises helps mitigate information asymmetry,so it can be considered as a key entry point to improve the lending to small and micro-enterprises. Though the trust relationship between banks and enterprises is receiving more and more attention,current studies focus on the trust from bank side,and ignore the issue from the borrowing enterprise side. This paper presents an empirical study on the small and micro-enterprise＇s trust in bank based on the survey data collected from two provinces in China,Hunan and Guangdong. Our results show that：（ 1） a higher level of trust that a small and microenterprise endows in bank is positively correlated with its credit availability,（ 2） small and micro-enterprise＇s trust in bank reduces the probability of it being discouraged from applying for a bank loan,（ 3） firm characteristics,personal traits of firm owner and relational factors are all the determinants of small and micro-enterprise＇s trust in bank.