关键词: 中小微金融 , 社会责任 , 商业驱动

Abstract: Traditional banks are usually considered as being unsuitable for MSME Finance，but a growing number of Chinese traditional commercial banks are engaged in MSME Finance in recent yearsThis paper explores factors related to MSME finance engagement by Chinese banking financial institutions by empirical research using handcollected panel data from 2007 to 2014Defining engagement as loan provision and service delivery，this paper finds that，apart from policy of CBRC，corporate social responsibility and business interest are both significantly related to engagement intensity to different extentMoreover，ownership type，economic and culture environment also impact on the engagement intensifies of banksThis paper enriches empirical research on MSME Finance，and has a practical implication for banking regulation department to properly allocate financial resources

Key words: MSME finance , corporate social responsibility , business motivation