Single-wall carbon nanotubes (SWNTs) chemically assembled on gold substrates were employed as electrodes to investigate the charge transfer process between SWNTs and the underlying substrates. Cyclic voltammetry (CV) indicates that the assembled SWNTs allow electron communication between a gold electrode and the redox couple in solution, though the SWNTs are linked directly onto the insulating monolayer of 11-amino-n-undecanethiol (AUT) on the Au substrate. An electron transfer (ET) mechanism, which contains an electron tunneling process across the AUT monolayer, is proposed to explain the CV behavior of Au/AUT/SWNT electrodes. Electrochemical measurements show that the apparent electron tunneling resistance, which depends on the surface density of assembled SWNTs, has apparent effects similar to those of solution resistance on CV behavior. The theory of solution resistance is used to describe the apparent tunneling resistance. The experimental results of the dependence of ET parameter psi on the potential scan rate v are in good agreement with the theoretical predictions. Kinetic studies of the chemical assembly of SWNTs by atomic force microscopic (AFM), electrochemical, and Raman spectroscopic methods reveal that two distinct assembly kinetics exist: a relatively fast step that is dominated by the surface reaction, and a successive slow step that is governed by bundle formation.