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信息不对称是阻碍中小企业融资的重要问题,但不是中小企业融资难的根本原因,信息结构则是更深层次的原因。实现信息结构的优化,更易获得低成本、高效率融资。对于中小企业而言,提升企业整体的信息质量,减少道德风险概率,提高整个金融市场的融资效率,以中小银行特定软信息生产为基础,加大公共型软信息和公共型硬信息生产,实施中小企业融资模式整合,全面提升中小企业信息结构质量层次,是实现持续高效率融资和拓展融资渠道的关键,也是进一步打通分割的金融市场,调动更多资源为中小科技企业融资服务的有效手段。
Asymmetric information is an important issue that hinder the financing of SMEs, but it is not the root cause of SME financing difficulties. The information structure is a deeper reason. Realize the optimization of the information structure, easier access to low-cost, high-efficiency financing. For small and medium-sized enterprises, the overall information quality of enterprises should be enhanced, the probability of moral hazard should be reduced, and the financing efficiency of the entire financial market should be enhanced. Based on the production of specific soft information in small and medium banks, public information and public hard information should be increased and implemented The integration of SME financing models and comprehensive enhancement of SME information structure quality levels are the key to achieving sustained and efficient financing and expansion of financing channels as well as an effective way to further break up the fragmented financial markets and mobilize more resources to serve SME financing.