基于信息不对称角度的农村中小企业信贷融资渠道选择

Credit Financing Channels to Choose about Small and Medium Enterprises in Rural Areas:From Perspective of Asymmetric Information

通过分析农村中小企业信贷融资中存在的信息不对称程度,运用350家样本企业的融资数据进行检验,结果发现,不同阶段的农村中小企业由于信息透明度不同,其信贷融资渠道选择有差异,但农村中小企业普遍地受到正规信贷约束,依此,得出了重要的政策含义。

By analyzing the asymmetric information of credit financing in the rural small and medium enterprises, applying the sample of 350 enterprises to test, the results show that in different stage of development the rural small and medium enterprises have different financing channels, but they generally have formal credit constraint, accordingly, this paper arrives at important policy implications.