摘要
本文基于TRIZ创新理论,利用系统分析、三轴分析和矛盾分析方法对我国农村中小企业贷款难的问题进行了剖析,指出了信息不对称是引发中小涉农企业贷款失灵的根源,提出了利用信息化技术构建中小企业综合金融网络服务平台,利用政、银、企、中介等多方力量来共同改善农村中小企业贷款的思路与设计。
Based on TRIZ theory, the methods of system analysis, triple-axial analysis and conflict analysis are used in analyzing the loans problem of small-and-medium-sized enterprises （SMEs） in the countryside. It pointed out that information asymmetry is the main cause of such problem, and then the solution and design are proposed that building a SMS financial service web-based system to gather multi-powers including governments, banks, enterprises and agencies to improve rural SME loans.
出处
《中国科技论坛》
CSSCI
北大核心
2014年第4期123-128,共6页
Forum on Science and Technology in China
基金
科技部创新方法工作专项项目"创新方法在支撑计划农业领域中的应用研究"(2011IM010800)
关键词
中小企业贷款
信息不对称
TRIZ理论
网络平台
Loans for small-and-medium-sized enterprise
Information asymmetry
TRIZ
Web-based system
