商业银行对中小企业贷款的不良率较高,其原因是多方面的,其中银行与贷款企业之间信息不对称是一个重要因素。例如,银行与企业在投资项目风险方面的信息不对称。通常而言,企业对贷款投资项目拥有远大于银行的“私有信息”,对项目风险的了解也远远超过银行。银行由于不具备信息优 The non-performing loan ratio of commercial banks to SMEs is high for many reasons. The asymmetric information between banks and lending companies is an important factor. For example, banks and companies have asymmetrical information on investment project risks. In general, companies have “private information” on loans and investment projects that are much larger than banks, and they know more about the risks of a project than banks. Banks do not have the information superior