中文摘要：

中小企业贷款难问题是目前困扰这些企业迅速发展的重要因素，国内外对这一问题成因进行了诸多研究与分析。从我国银行治理结构特点的这一独特视角出发，结合信贷配给理论，对不同治理结构下银行信贷行为进行建模与比较分析发现，银行治理结构通过影响银行信贷选择行为，将会对信贷市场配给程度以及中小企业获得贷款的可能性产生重要影响。

英文摘要：

Chinese SMEs are now suffering the difficulties of applying loans from commercial banks, which becomes a bottleneck to the rapid development of Chinese SMEs. Based on the credit rationing theories, We lay our emphasis on the special governance structure of Chinese commercial banks, and develop a principal- agent model to analyze the effect of such governance structure on the availability of SMEs. Finally, we find that such governance structure will aggravate credit rationing and hence has negative effect on the availability of SMEs.