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当前中小企业普遍面临融资难的问题,其根本原因在于金融机构与中小民营企业之间信息不对称。中小民营企业可以通过建立与金融机构的金融关联,不仅有助于中小民营企业与金融机构建立密切的关系网络,完善信息传递机制,还可以作为一种声誉和隐形的担保机制,帮助解决金融机构与中小民营企业之间信用不对称问题,缓解民营企业的融资难问题。
At present, SMEs generally face the problem of financing difficulties. The fundamental reason lies in the information asymmetry between financial institutions and small and medium-sized private enterprises. Small and medium-sized private enterprises can establish financial relations with financial institutions, not only help small and medium-sized private enterprises and financial institutions to establish close network of contacts, improve the mechanism of information transmission, but also as a reputation and invisible security mechanism to help solve the financial institutions Asymmetric credit problems with small and medium-sized private-owned enterprises can alleviate the financing difficulties of private-owned enterprises.