融资环境下的小微企业财务特征分析

The Analysis of Small and Micro Businesses' Financial Characteristics under Financing Environment

小微企业融资难是普遍现象,即使在发达国家也存在这个问题,银行认为小微企业融资风险较高,容易出现"道德风险"和"逆向选择"的问题,因此,小微企业无法从正规金融获得贷款,但是并无证据表明小微企业融资风险较大企业更高,小微企业应该改善自身的财务指标,降低银行与企业之间的信息不对称现象,促进小微企业融资效率的提升。

Small and micro businesses＇ financing difficultly is a common phenomenon, even in developed countries. Banks think that Small and micro businesses financing risk is high, easy to appear in the ＂moral hazard＂ and ＂adverse selection＂ problem. Therefore, Small and micro businesses difficultly obtain loans from formal financial, but there is no evidence that small and micro businesses financing risk higher than large enterprises. Small and micro businesses should improve their own financial indicators, reduce information asymmetry between banks and enterprises, and promote financing efficiency of small and micro enterprise.