【摘要】 中小企业在我国已成为国民经济的重要组成部分。但是,随着商业银行加强对贷款风险的控制,普遍实行担保和抵押制,中小企业融资难问题日益突出。造成这一矛盾的根本原因在于中小企业与金融机构之间严重的信息不对称,中小企业由于自身信誉差、信息内部化,银行不能准确判断筹资者真实情况而惜贷。解决的根本途径在于全社会健全信用系统,促使中小企业树立诚信观念,提高资金使用效益,还贷守信。同时,还需要政府、金融机构共同努力协作,成立中小企业管理机构,建立中小企业发展基金,完善专门的贷款担保机构,有效解决信息不对称问题,改善中小企业融资环境。更多还原

【Abstract】 Being an important component of national economy,Small and medium-sized enterprises(SMEs)have played more and more important role in the transition of our country’s economy.However,as the commercial banks strengthen generally guarantee and mortgage system to control the risk of the loan,the financing difficult problem of small and medium-sized enterprises become outstanding.In this paper,we get the conclusion that the basic reason is the serious information asymmetry problem between the finan鄄cial institutions and SMEs.Because of bad prestige and information internalization,the banks cannot get accurate information from SMEs and reject their demand for the loan.Only if the SMEs abide by their word,to improve the utilization of the fund and to return the loan in time,could it be solved.Meanwhile,it needs the government,the financial institutions and the whole society to solve the information asymmetry problem effectively in order to improve the financing environment of SMEs.更多还原