我国中小企业信贷担保问题的博弈分析

Game Analysis on Problems of SME Credit Guarantee

本文通过构建中小企业、银行和担保机构三方的序贯博弈,对我国中小企业信贷担保问题进行了细致的深入分析,认为可以通过建立新型的战略合作伙伴关系,设计合理的信贷和担保契约,可以有效解决逆向选择和道德风险问题,来缓解中小企"贷款难,担保难"问题。

By constructing the Sequential Game of SMEs,banks and guarantee agencies,this paper made detail and in-depth analysis on the issue of SME credit guarantees,and thought that establishing a new strategic partnership and designing a reasonable credit and hypothecation can effectively resolve the problem of adverse selection and moral hazard and ease the ＂difficult loans,difficult guarantees＂ problem of SMEs.