基于博弈论分析中小企业融资障碍破解之道

Analysis of the Ways to Solve the Financing Obstacles of Small and Medium-Sized Enterprises Based on the Game Theory

融资问题是决定中小企业能否长久发展的关键所在。与大企业相比,中小企业存在的问题很多,如信贷不足、缺乏可作为抵押的固定资产、企业财务信息披露不规范等,导致银行不愿向中小企业放贷,融资难的问题严重限制了中小企业的生存发展。目前,融资难的问题已经成为世界上大多数中小企业共同的难题,这给中小企业的发展造成了严重的障碍。论文运用博弈论的方法研究我国中小企业融资难的现状,探讨我国中小企业融资难的原因,进而对解决我国中小企业融资难的问题提出相应的政策建议。

Financing is the key to the long-term development of small and medium-sized enterprises.Compared with large enterprises,there are many problems in small and medium-sized enterprises,such as lack of credit,lack of fixed assets as collateral,non-standard disclosure of enterprise financial information,etc.,which lead to banks'unwillingness to lend to small and medium-sized enterprises,and the difficulty in financing seriously limits the survival and development of small and medium-sized enterprises.At present,the problem of financing has become the common problem of most small and medium-sized enterprises in the world,which has caused serious obstacles to the development of small and medium-sized enterprises.This paper uses game theory to study the current situation of financing difficulties of small and medium-sized enterprises in China,discusses the causes of financing difficulties of small and medium-sized enterprises in China,and puts forward corresponding policy suggestions for improving the financing difficulties of small and medium-sized enterprises in China.