不对称信息下农村中小企业的信贷配给

Under information asymmetry rural area medium-sized and small enterprises credit allotment and countermeasure study

我国农村中小企业规模小,产品和技术落后,且治理结构不规范,讲信用不够,特别是财务信息不透明,在与银行的信贷融资中存在严重的信息不对称,使银行的信贷风险上升,交易成本增加。由此导致银行的信贷配给,也使农村中小企业面临融资信贷难。为此,本文提出一些缓解银行对农村中小企业信贷配给的对策措施。

Our country rural area medium-sized and Small enterprises scale is small, The structure of management have not standardized,credit hiatus, financial affairs information opacity, There exist grave information asymmetry in middle and bank in credit financing .This makes the credit risk of the bank to rise and the business cost to increase, From this has caused the credit rationing of bank.Credit is difficult to make rural area medium-sized and small enterprises be confronted with a financing also, therefore, This article will suggest that some relieve the counter- measure measure that the bank rations to rural area medium-sized and small enterprises credit.