基于信息不对称理论的中小企业信用担保问题分析

Analysis on the Credit Guarantee of Small and Medium Sized Enterprises Based on the Theory of Information Asymmetry

在金融市场交易的过程中,存在着广泛的信息不对称现象,长期以来,中小企业的间接融资一直受到信贷双方在信息上的不对称和自身资信度的影响。阐述了信用担保在解决中小企业信息不对称现象中的具体作用形式,研究了担保机构自身的信息不对称问题并找出相关的解决方式与对策。

In the process of financial market transactions, the existence of information asymmetry phenomenon, widely for a long time, indirect financing of small and medium-sized enterprises have been affected by the credit information asyrmnetry on both sides in the capital and its reliability. This paper expounds the specific forms of credit guarantee to solve the problem of information asymmetry in small and medium-sized enterprises, and studies the information asymmetry problem of the guarantee institutions and finds out the relevant solutions and