中小企业在国民经济的发展中发挥着极其重要的作用,但是中小企业提供财务信息的不对称、不充分、不透明是制约其获得银行信贷融资的主要原因,从而加重了其融资困难的问题,本文借鉴美国中小企业商业贷款的特征,就中小企业的信息提供问题与获得银行商业信贷类型展开讨论。 Small and medium-sized enterprises play an extremely important role in the development of the national economy. However, the asymmetric, inadequate and opaque provision of financial information by SMEs is the main reason that restricts their access to bank credit, which aggravates the problem of financing difficulties. Learn from the characteristics of commercial loans for SMEs in the United States, to provide information on SMEs and access to bank credit types of business to discuss.