| Acknowledgements | 第1-6页 |
| 中文摘要 | 第6-7页 |
| ABSTRACT | 第7-12页 |
| CHAPITER 1: INTRODUCTION | 第12-17页 |
| Ⅰ-Purpose and Research Questions | 第13-15页 |
| Ⅱ-Objectives and Assumptions | 第15页 |
| Ⅲ-Methodology and Research Design | 第15-17页 |
| CHAPITER 2:LITERATURE REVIEW | 第17-21页 |
| Ⅰ-The contribution of the Information Economy | 第17-19页 |
| Ⅱ-Approach to agency theory | 第19-21页 |
| CHAPTER 3:THEORETICAL APPROACH OF THE FINANCING MALLAND MEDIUM-SIZED ENTERPRISES(SME) | 第21-32页 |
| Section 1: Generality on SMEs/SMIs | 第21-23页 |
| Section 2: Analysis of the Financial Needs of the SME | 第23-26页 |
| Ⅰ-The need for investment | 第24页 |
| Ⅱ-The Working Capital Requirement(WCR) | 第24-26页 |
| Section 3:Funding | 第26-32页 |
| Ⅰ-Definition | 第26页 |
| Ⅱ-Sources and funding structures | 第26-32页 |
| CHAPTER 4: FRAMEWORK STUDY METHODOLOGICAL | 第32-41页 |
| Section 1: Overview of Access Bank | 第32-34页 |
| Ⅰ-History | 第32-33页 |
| Ⅱ-Mission | 第33-34页 |
| SECTION 2: Funding Process of SMEs through the Bank | 第34-38页 |
| Ⅰ-Conditions of access to credits | 第34-35页 |
| Ⅱ-The introduction of the funding application | 第35页 |
| Ⅲ-Analysis of the record of funding | 第35-37页 |
| Ⅳ The establishment Loan | 第37-38页 |
| Section 3: Data Collection Techniques | 第38-41页 |
| Ⅰ-Observation | 第38-39页 |
| Ⅱ-The route followed by the investigation | 第39-40页 |
| Ⅲ-The Retrieval | 第40-41页 |
| CHAPTER 5: EMPIRICAL APPROACH TO THE PROBLEM OFFINANCING:ANALYSIS OF RESULTS AND RECOMMENDATIONS | 第41-64页 |
| Section 1: Presentation of the Results | 第41-43页 |
| SECTION 2: ANALYSIS OF RESULTS | 第43-59页 |
| Ⅰ-Analysis of the reluctance of the bank | 第44-54页 |
| Ⅱ-Loan access Barriers by SMEs/SMIs | 第54-59页 |
| Section 3: exploratory tracks for fmancing SMEs | 第59-64页 |
| Ⅰ-Discussion of some mechanisms already proposed | 第60页 |
| Ⅱ-Actions proposed | 第60-62页 |
| Ⅲ-Monitoring System | 第62-64页 |
| GENERAL CONCLUSION | 第64-66页 |
| References | 第66-67页 |
