1 rieti discussion paper series 06 e 025 sme financing and the choice of lending technology hirofumi uchida faculty economics wakayama university gregory f udell kelley school business indiana nobuyoshi yamori nagoya april 2006 this study was conducted as one projects regional finance workshop research institute economy trade industry authors would like to thank for financial support shuichi uemura useful comments administrative help especially in conducting survey corresponding author 930 sakaedani 640 8510 japan tel 81 73 457 7710 fax 7711 mail eco u ac jp abstract using data from a unique we investigate relevance different technologies which are utilized small medium sized enterprises characterize loans point view ask i what extent used ii how complementary iii determines each find that although statement is most commonly multiple
