| Reference: | 1. 中小企業白皮書，2022年
2. 台灣金融研訓院課程講義，2018年
3. 王凱與張曉春等（2019）《銀行授信業務對中小企業創新的影響研究》
4. 王大成與陳小玲（2021）《銀行授信業務對中小企業國際化的影響研究》
5. 王建國與劉偉（2021）《數據科學在銀行授信業務中的應用研究》
6. 王莉與李建國（2021）《數據科學在銀行授信中的應用與效果研究》
7. 王靜與周明（2022）《數據驅動的銀行授信策略對中小企業融資的影響研究》
8. 王靜與李偉（2021）《大數據技術在銀行授信業務中的應用與展望》
9. 王偉與陳靜（2021）《基於大數據技術的銀行授信業務創新與發展》
10. 田立華與李小明（2022）《人工智能在銀行授信中的應用與展望》
11. 李娟（2021）,《銀行授信業務對中小企業成長的影響研究》
12. 李小雲與陳建民（2022）《銀行授信業務對中小企業可持續發展的影響研究》
13. 李娜與黃文華（2021）《數據的銀行授信風險管理研究》
14. 李明與劉偉（2021）《基於大數據的銀行授信策略優化研究》
15. 李華與陳曉（2021）《數據科學在中小企業授信中的應用分析》
16. 李靜與許芳（2022）《數據驅動的銀行授信策略對金融風險的影響研究》
17. 李偉與趙華（2022）《大數據與人工智能在銀行授信業務中的綜合應用分析》
18. 吳琪與林文豪（2021）《銀行授信業務對中小企業社會責任履行的影響研究》
19. 林志勇與陳建明（2020）《銀行授信業務對中小企業業務多樣化的影響研究》
20. 周佳佳與蔡明宇（2021）《銀行授信業務對中小企業創業動力的影響研究》
21. 胡偉與張小明（2021）《數據驅動的銀行授信策略與中小企業發展的關係研究》
22. 袁立與陳燕（2022）《基於人工智能的銀行授信模型優化研究》
23. 陳思琪與劉海濤（2022）《銀行授信業務對中小企業就業影響研究》
24. 陳曉與趙靜（2022）《大數據技術在銀行授信中的應用與效果分析》
25. 陳華與張偉（2022）《數據科學技術在銀行授信業務中的應用與展望》
26. 陳靜與劉華（2021）《人工智能在銀行授信業務中的應用與展望》
27. 許明達與劉佳（2023）《銀行授信業務對中小企業金融風險的影響研究》
28. 張曉明與劉華（2020）《數據驅動的銀行授信策略研究》
29. 趙偉與劉靜（2022）《數據科學與銀行中小企業授信業務創新研究》
30. 楊霖與賴曉春（2020）《銀行授信業務對中小企業融資影響研究》
網際網路
31. 家數及銷售額整理自財政部財政資訊中心，營業稅徵收統計原始資料，2020-2021年
32. 就業及受僱人數資料整理自行政院主計總處，人力資源調查統計原始資料，2020-2021年
33. 各國中小企業定義
台灣資料:台灣宗和研究院https://www.tri.org.tw/ceo/
美國資料: https://hdl.handle.net/11296/q6p9as
英國資料: https://www.newton.com.tw/wiki/%E4%B8%AD%E5%B0%8F%E4%BC%81%E6%A5%AD
日本資料:日本中小企業廳https://www.chusho.meti.go.jp/soshiki/teigi.html
歐盟資料: Recommendation 2003/361/EC: SME Definition
中國資料:中華人民共和國工信部https://www.gov.cn/zwgk/2011-07/04/content_1898747.htm
英文參考文獻
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