信息不对称与中小企业融资

Information Asymmetry and SME Financing

中国人民银行的调查报告显示 :目前我国的中小企业普遍存在融资困难的问题。根据对济宁市10 0家中小企业的考察 ,得出造成这种状况的原因是多方面的 ,其中中小企业信用不足是最重要的原因。本文从信息不对称的角度分析了中小企业普遍的信用不足 ,进而对其融资形成极大障碍的成因 ;并对增强信息透明度、改善中小企业融资体系提出了建议。

The report issued by Bank of China manifests that almost all SMEs have difficulties in financing.According to the review of 100 SMSs in Jinin,we can conclude there are various complex reasons,of which scarcity is the most crucial and universal reason.This paper analyzes the information asymmetry resulting in the universal information scarcity in the SMSs and this is just the reason why SMSs confront with financing problems.At the end of the paper,the co-authors offer their suggestions to spread information more popularly and ameliorate the SMS financing system.