“…Although the research was completed in Hong Kong, the lessons learnt here may be relevant also to contractors in other areas. After all, contractors in other countries have also found limited access to finance their major problem (Fox and Skitmore, 2007;Enshassi et al, 2006;Reichstein et al, 2005;Fox et al, 1999). Apparently, the banking system in Hong Kong is rather "international" as a substantial number of banks are foreign controlled.…”