是银行规模还是信息不对称?——中小企业贷款难的原因分析

Bank Size or Asymmetry Information? ——Analysis on Reasons of Medium and Small Sized Enterprises' Financing Problem

中小企业从银行获得的融资十分有限。以Elod Takáts模型为基础的银行规模分析解释了银行规模与中小企业贷款的无关性,以Akerlof模型为基础的信息不对称分析解释了中小企业在贷款中的逆向选择问题。可以通过多种方式消除逆向选择问题,从根本上解决中小企业贷款难题。

Medium and small size enterprises （MSEs） can receive limited financing from banks. The author of this paper presents a bank size analysis based on Elod Takats Model, which explains the irrelevance between bank size and MSEs＇ loan, and an asymmetric infor- mation analysis based on Akerlof Model, which explains the advetse selection problem in loans of MSEs. Various actions should be taken to eliminate the advetse selection problem, in order to solve the problem of MSEs＇ financing problem ultimately.