中文摘要：

这篇文章使用判别式采样方法选择 1 从在中国的 25 个省的 062 家小、微的企业。研究在他们的信用需求和信用行为上被进行，与执行这些企业的信用需求和信用行为的有影响的因素上的 metrologic 测试的概率单位模型一起。metrologic 分析出现：领导人的有文化水平，财产尺寸，企业的年度收入在这些小、微的企业的信用需求上有显著地积极的效果。年度收入在全面信用行为和非正式的金融行为，而是对正式金融行为的出现的显著地积极的影响的出现上有显著地否定的影响。职员的有文化水平和企业的财产尺寸在小、微的企业的全面信用行为的出现上有显著地积极的影响。

英文摘要：

This article uses discriminant sampling method to select 1 062 small and micro enterprises from 25 provinces in China.Researches were conducted on their credit demand and credit behavior,with the Probit model to carry out metrologic tests on influential factors of these enterprises＇ credit demand and credit behavior.The metrologic analysis shows：Literacy level of leader,asset size,annual revenue of the enterprises have significantly positive effects on the credit demand of these small and micro enterprises.Annual revenue has significantly negative influence on overall credit behavior and the occurrence of informal financial behavior,but significantly positive influence on the occurrence of formal financial behavior.Literacy level of staff and asset size of enterprises have significantly positive influence on the occurrence of the overall credit behavior of small and micro enterprises.