中小企业信贷融资约束及其对策研究——从信息不对称视角考察

现阶段,我国中小企业发展迅速,已成为经济社会发展的重要推动力。然而,我国中小企业发展的最大障碍问题仍然是"融资难"。为此,本文借助于"金融缺口"理论再次考察中小企业信贷约束困境,并从信息不对称视角,深层分析了信贷约束的原因,最后,为化解我国中小企业信贷约束,探讨商业银行信贷制度安排。

With rapid development, small and medium enterprises have currently become important driving forces for economic and social development in China. However, financing difficulty is still the biggest obstacle for SMEs development in China. By applying Financial Gap theory, Looking into SMEs credit and loan, analyzing deeply the cause of credit and loan constraint, the author will redesign the financial system arrangement to wipe out the SMEs credit and loan constraints in China in this paper.