科技小额贷款市场失灵及其治理——基于“信用风险缺口”模型的分析

Analysis and Countermeasures of the Market Failure of Technology Microfinance:Based On the Model of Credit Risk Gap

"贷款难"、"贷款贵"问题是制约我国科技型中小企业发展的重要瓶颈,如何有效化解这一问题尤为紧迫。文章从"信用风险缺口"的视角,结合科技小额贷款市场的需求与供给状况,分别从加强企业信用建设和科技小额贷款机构的信用风险控制两个方面做了探讨,认为其核心就是要解决供需主体双方对贷款信用风险的信息不对称问题,最大限度地缩小信用风险缺口;并据此提出了建立健全科技小额贷款市场的政策建议。

＂Difficulty in Loaning＂ and ＂High-cost of Loaning＂ are severe bottlenecks of the development of technology-based small and medium-sized enterprises （SMEs） in China, and solving these problems seems to be very urgent. Based on the perspective of credit risk gap, this essay first tries to analyze the reasons and internal mechanism of market failure in technology microfinance. After analyzing the need - and - supply situation of the technology microfinance, the essay makes some exploration into how to strengthen the credit construction of SMEs and control the credit risk of technology microfinance institutions separately. The essay strongly suggests that the core to solve the problem is to get rid of the information dissymmetry between the two sides of need-and-supply and narrow the credit risk gap as much as possible. Finally, the policy suggestions on how to establish a sound tech-nology microfinance market are put forward.