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dc.contributor.authorHan, Liang
dc.contributor.authorBenson, Alan
dc.contributor.authorChen, Jean Jinghan
dc.contributor.authorZhang, Song
dc.identifier.citationHan , L , Benson , A , Chen , J J & Zhang , S 2014 , ' The use and impacts of bank support on UK small and medium-sized enterprises ' , International Small Business Journal , vol. 32 , no. 1 , pp. 61-80 .
dc.identifier.otherPURE: 261267236
dc.identifier.otherPURE UUID: 9da25f2c-0ef8-446e-af6c-e52e243464b0
dc.identifier.otherScopus: 84891706595
dc.identifier.otherORCID: /0000-0002-3673-2460/work/64361516
dc.description.abstractThis paper examines an under-investigated area in relationship banking, i.e. the use of bank advice/support and its impacts on the financial conditions of small and medium sized enterprises (SMEs). The findings indicate that the characteristics of businesses and entrepreneurs, amongst other factors, have determinant effects on the use of bank support by SMEs, when they make financial decisions. SMEs can significantly alleviate the severity of their financial problems by using bank support more fully, through developing long-term relationships with banks as primary network partners. It further recognises the value of advice from banks being a substitute for entrepreneurial human capital, especially when bankers use ‘private information’ to determine the nature and level of financial and non-financial assistance that they are prepared to supply to their clients.
dc.relation.ispartofInternational Small Business Journalen
dc.rightsCopyright © 2014 SAGE Publications. This work has been made available online in accordance with publisher policies or with permission. Permission for further reuse of this content should be sought from the publisher or the rights holder. This is the author created accepted manuscript following peer review and may differ slightly from the final published version. The final published version of this work is available at
dc.subjectRelationship bankingen
dc.subjectBank supporten
dc.subjectHuman capitalen
dc.subjectFinancial problemsen
dc.subjectHG Financeen
dc.titleThe use and impacts of bank support on UK small and medium-sized enterprisesen
dc.typeJournal articleen
dc.contributor.institutionUniversity of St Andrews. School of Managementen
dc.description.statusPeer revieweden

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