信息不对称与中小企业融资模型探析

Information Asymmetry and Financing Model of Small and medium-sized Firms

中小企业在扩大就业、促进技术进步、保持经济健康稳定发展等方面都有着积极作用。目前,其自身的缺陷及金融市场的不完善,使得融资问题一直困扰着我国的大多数中小企业。要解决这一问题,必须消除中小企业的信息不对称,完善信用担保机制,引导民间金融,发展融资租赁和股权私募融资等,以有效缩小中小企业融资缺口,促进中小企业乃至整个国民经济健康发展。

Small and medium-sized firms have played an active role in enlarging employment, promoting technology progress and maintaining a healthy and steady economic development. At present, financing problem is troubling most of china＇s small and medium-sized firms because of their own drawbacks as well as the imperfection of finanicial market. To solving this problem, it ＇ s compulsory to eliminate information asymmetry of small and medium-sized firms, to consummate credit guarantee mechanism, to guide non-governmental finance, and to develop financing lease and equity private-collecting financing so as to shrink effectively financing gap of small and medium-sized firms and to promote the development of small and medium-sized firms, even that of the whole national economy.