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分析了中小企业融资难的主要原因,并构建了银企双方融资信贷博弈模型。金融市场存在着借贷双方信息不对称性,从而导致信贷市场的“逆向选择”和“道德风险”并最终引发“信贷配额”。只有当时,即低风险企业贷款的概率达到一定数值时,银行才会选择贷款。因此,必须完善法律机制、改善制度环境、明晰企业产权以及积极发展中小企业信用担保体系和建立多层次、全方位的金融体系。
Analyzes the main reasons for SMEs financing difficulties and constructs a game model of financing credit between banks and enterprises. Financial markets have information asymmetries between lenders and borrowers, leading to “adverse selection” and “moral hazard” in the credit market and eventually to “credit quotas.” Only then, that is, the probability of a low-risk corporate loan reaches a certain value, the bank will choose the loan. Therefore, we must perfect the legal system, improve the institutional environment, clarify the property rights of enterprises and actively develop the SME credit guarantee system and establish a multi-level and comprehensive financial system.