中小企业信贷融资难的经济解释及其化解路径

Economic Explanations and Solutions to the Credit Financing Problems of Small and Medium-sized Enterprises

我国中小企业信贷融资存在着比重低和期限短的特征。文章认为,信息不对称下的道德风险、经营权垄断下的规模歧视、技术落后下的供求失衡是产生中小企业信贷融资难的主要原因。基于此,文章提出化解中小企业信贷融资难的路径就是建立健全中小企业财务管理体制和信用平台建设、健全金融机构体系、鼓励小型金融机构的发展以及创新发展面向中小企业的信贷产品与服务。

The obvious characteristics of credit financing of small and medium-sized enterprises(SMEs) in China are low proportion and short period.Moral hazard under the asymmetric information,discrimination of scale under the monopolized management power,and imbalance between supply and demand under the technological backwardness are all factors mainly contributing to the difficulties in credit financing of SMEs.Based on this,this article try to find out the solution to the credit financing problems of SMEs and to point out affirmative methods such as establish and perfect the financial management system and construct credit platform of SMEs,improve the financial institutions system,encourage the development of small financial institutions,and innovate credit products and services for SMEs.