行为经济视角下小微企业与银行信息不对称及融资路径分析

Small Micro Enterprises and Bank Information Asymmetry and Finance Path from Perspective of Behavioral Economics

小微企业是国民经济发展中最活跃的力量,但融资缺口问题长久困扰着成千上万的小微企业,究其原因是银行等金融机构与小微企业间严重的信息不对称。本文尝试从小微企业主体及其管理层的经济行为出发,认为针对小微企业财务信息不完善的特点,通过非财务信息与管理层行为信息的挖掘,可以有效缓解银企之间信息不对称的问题。

Small micro enterprise is the most active force in the development of national economy, but financing gap has been plagued by thousands of MSME for a long time. This paper analyzes economic behavior of enterprise dominant and its management about the serious information asymmetry between banks and small micro enterprises. Based on non-financial in- formation of management, information mining can effectively alleviate the ills of the information asymmetry between banks and MSME.