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Appendix 1
Questionnaire
Welcome and thank you for accepting to participate in this research study. This is a questionnaire for collecting data to help me research on the Barriers for SMEs’ Access to Finance in China, taking a case Study of SMEs in Shaanxi City. Read carefully and answer to the best of your knowledge. Tick your answers in the provided boxes appropriately.
What is your position in the enterprise/ SME?
Member of the Management [ ]
Owner [ ]
In a scale of 1-5, how can you describe the ease with which you access your business financing from the banks and other financial institutions?
Very Poor
Poor
Fair/Somehow good
Good
Perfect
For how long did you trade before opening an account with the bank financial institutions?
0. I have never opened an account with any bank/financial institutions
Less than 6 Months
More than 6 months but less than 1 year
1 -2 Years
5 Years
More than 5 Years
For how long did you trade before obtaining a loan from the bank?
0. I have never secured a loan from the bank/financial institutions
Less than 6 Months
More than 6 months but less than 1 year
1 -2 Years
5 Years
More than 5 Years
Which is your major source of finance for your business start up or expansion?
1 = “Personal saving”
2 = “Family and friends”
3 = “Other sources”
4 = “Disposal for long term asset or mortgage”
5 = “Business bank loan”
6 = “Retirement or redundancy benefits”
7 = “Leasing/hire purchase”
8 = “Grants”
9 = “Personal credit card”
10 = “Personal credit card”
11 = “Business credit card”
Did you face any difficulty in raising the finance you needed to start up the business?
1. Yes
2. No
Do you face any difficulty in getting business loan from your bank or other financial institutions?
1. Yes
2. No
How has the difficulty in accessing bank finances impacted on your business?
Had no impact
Discarded my business plan
Delayed start dates/ expansion plans
Sought alternative sources of finance
I had to amend my business plan
I had to start with less than the amount I had anticipated.
“Needed additional finance early on, early on after start up/expansion”
What is the main reason why it was difficult for you to get funds from your bank/micro financial institutions?
1. Size -my business was small
2. Age (from start-up) –My business was still young
3. Collateral –I could not raise security for the bank
4. Profitability assessment for banks –The bank felt my business was not profitable enough
5. Risk (such as default/insolvency) –The bank was of the view that I could fail to repay the loan
6. Bank-client relationship – I had not been well known to the bank
7. Cash flow –The ban did not find my bank statement satisfactory
8. Credit history – I had failed to repay an earlier loan advanced to me.
9. Process time –It would take too long to process the loan
10. Business plan –The bank had an issue with my business plan/I had no business plan.
11. Type of loan (short vs long term)-The bank did not have loan package to take care of my intrest
12- Legal system (property rights and bankruptcy law)-I was not legally fit to make any agreement with the bank
13. Cost-ban loan was too costly to process and repay
(f) What do you think needs to be done to improve your access to bank loans?
Lower interest rates
Create awareness on bank lending
Allow negotiating with the banks for affordable interest rates
Offering training of necessary skills for the development of bankable projects
Be merged with various smaller enterprises to attain the sizes recommended by the banks for financial accessibility.
Change bank policies and procedures to less strict ones to make access easier
Attachments:
5837761_1_52za-shaanxi-city–china-smes-final-3.docx

Course Learning Objectives and Outcomes This assignment addresses the following course learning objectives and outcomes: ? Define modern protocols and systems used on the web (such as HTML, HTTP, URLs, CSS, XML, JSON) ? Explain the functions of clients and servers on the web, and describe the strengths and weaknesses of the client-server internet approaches to web design and implementation ? Program, access, and manipulate data through the adoption of accepted standards, mark-up languages, client-side programming, and server-side programming ? Design and implement an interactive website(s) with regard to issues of usability, accessibility and internationalisation ? Design and implement a client-server internet application that accommodates specific requirements and constraints, based on analysis, modelling or requirements specification
Attachments:
5837817_1_assignment-2.pdf

Final Exam
Due 20 January 2021 11:59 PM.
Goal: Learn graph and sorting algorithms
In this Exam, you will work with two types of data, FinalExamGraphFile.txtand Positive.txt
FinalExamGraphFile.txt contains 3 columns and 32836 rows.
First and Second columns represents the ids of people and 3
rd
column shows the strength of relationship amount these people. By using FinalExamGraphFile.txt you need to create a weighted graph, where ids will be node ids and strength of the relationship will be edge weights.
(10 pnt) For this purpose, you need to write 3 classes Node.java, Edge.java and Graph.java.
By using above classes, you will need to create and Adjacency List of the graph.
Inside your main class, prompt the user display a given node’s adjacent nodes by asking a node id given
a certain range
. Such as, as a user if I enter 1518, your code should display adjacent nodes to 1518 as:
(1518,1690) 1
(1518,2222) 1
(1518,2478) 1
Here 1 represents the strength.
(10 pnt)Next, load Positive.txt file which represents people ids whom they become friends in the future while they were not friend in the graph file. Here are 5592 friendship relation.
(20 pnt)Now, create a pair of nodes set with 5592 friendships between 2 pairs of node, similar to Positive.txt file entries, that are not friend in the graph (they do not share an edge in the graph file but the negative pairs must be different than positive pairs). Example, 2251 16 is a positive pair while 2251 1518 is a negative pair and you must create 5592 such negative pairs.
(25pnt) Now, take positive and negative pairs, look at Adjacency List to see each how many common friend each pair has. For example, (I am just making up the number here) 2251 16 pairs has 5 common friend while 2251 1518 pair has 2 common friend.
(35pnt)Then, you create such common friend scores for all positive and negative pairs (this could be an array with length 5592 + 5592). Call this array score. Implement quicksort, heapsort, merge sort and insertion sort for this array and report time that takes for each sorting.
Find the midpoint of sorted array, label above pairs as positive and below pairs as negative (Here you have to be very careful not lose information about pair during sorting) from the midpoint. And, compare how accurate you guess as positive and negative comparing actual positive and negative pairs (see the hint below).
Hint: If you have positive pairs 1 2, 3 4, 5 6 with common friends as 2,5,7 respectively and negative pairs 7 8,9 10, 11 12 with common friends as 3,1,4, respectively.
You sort these friends as 1 2 3 4 5 7 and guess 11 12, 3 4, 5 6 as positive pairs and rest as negative pairs. Thus, your guess is correct with 4/6 accuracy.
Attachments:
5845075_1_final-exam.docx
5845075_2_finalexamgraphfile.txt
5845075_3_positive.txt