Abstract: In this paper, based on the survey data of rural small and micro enterprises in shandong province, the Logistic regression model were used to analysis the main factors affecting small and micro businesses’ credit availability. Results showed that the asset size,the degree of competition between banks had significant positive impact on the availability of rural small and micro enterprises’ Credit loan from big banks. The relationship lending index had significant negative impact on the availability of rural small and micro enterprises’ Credit loan from big banks. The asset size,the profit rate the degree of competition between banks had significant positive impact on the availability of rural small and micro enterprises’ Credit loan from small banks. From the whole, the credit availability of large banks is lower than that of small banks, but relationship lending is playing a limited role in rural small and micro enterprises financing.

Key words: rural SMEs, credit availability, the scale advantages of bank, relationship lending technology