Small and medium-sized businesses in China and Southeast Asia don't borrow much from banks. They prefer using their own money or getting credit from non-bank sources. When they do borrow from banks, factors like having financial audits, being older, and exporting goods make it more likely. Owners' personal assets are often used as collateral for bank loans. To help SMEs borrow more from banks, better credit guarantee systems, improved monitoring by banks, and broader collateral options are suggested.