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随着中国文化与休闲产业的蓬勃发展,富有活力与创新精神的中小微企业,在提供就业机会、促进经济增长以及改善社会福利上,扮演着日趋重要的角色。然而,这些企业在外部融资时却面临着诸多阻碍,最主要的原因在于中小企业往往存在信贷风险,使得其难以获得充分的贷款。本研究讨论了中小企业的信贷风险披露与识别问题,尤其强调了中小企业在信贷问题上的特殊性,如更严重的信息不对称、抵押品的缺乏,以及信贷担保机制的不完善等。
As China’s cultural and leisure industries booming, the dynamic and innovative small and medium-sized micro-enterprises play an increasingly important role in providing employment opportunities, promoting economic growth and improving social welfare. However, these enterprises face many obstacles in external financing. The main reason is that SMEs often have credit risks, making it difficult for them to obtain sufficient loans. This study discusses the SME credit risk disclosure and identification issues, with particular emphasis on the particularity of SMEs in credit issues such as more serious information asymmetries, lack of collateral, and imperfections in credit guarantee mechanisms.