Based on a consistent literature presented in the previous part of our paper, and analysing our research results, carried out on a significant number of SMEs from Romania in 2011, the purpose of this paper is to examine how SMEs are affected and how they perceive the bank involvement in financing SMEs needs, in terms of the nature and characteristics of organizational structure of these lenders. We have found that, despite of the recent development of the crisis and the decision of the most of important European banks to reduce theirs involvement in Central and Eastern Europe, the mostly of the Romanian SMEs considered they are not ignored or under-privileged by large, international banks operating in Romania.