论文部分内容阅读
银企之间存在着信息不对称,中小企业在需要申请贷款时多次被拒绝,而银行也因存在着大量的闲置资金,增加了机会成本。如何有效消除银企之间的信息不对称,解决中小企业融资难问题,已成为我国各学者共同关注的课题。本文从内外部环境入手,以信息不对称的角度来分析我国中小企业融资难的问题,并通过客观的分析,为解决我国中小企业融资难问题提出可行性的建议和对策。
Asymmetric information exists between banks and enterprises, SMEs are repeatedly rejected when they need to apply for a loan, and banks also increase the opportunity cost because of the large amount of idle funds they have. How to effectively eliminate the information asymmetry between banks and enterprises and solve the financing difficulties of SMEs has become a common concern of all scholars in our country. Starting from the internal and external environment, this paper analyzes the problem of SME financing in our country from the perspective of information asymmetry, and through objective analysis, puts forward suggestions and countermeasures to solve the problem of SME financing difficulty in our country.