浅析信息不对称下中小企业融资困境及对策  

Financing dilemma and countermeasures to small and medium-sized firms under asymmetric information

作　　者：梁燕飞[1] 全桂[1] 张冬梅[1] 

机构地区：[1]北京机械工业学院工商管理分院,北京100085

出　　处：《北京机械工业学院学报》2005年第3期67-69,82,共4页Journal of Beijing Institute of Machinery

摘　　要：商业银行与中小企业之间的信息不对称是中小企业融资难的一个根本原因,因此,要解决中小企业融资问题,首先要解决信息不对称问题。完善信息披露制度、加速市场信息流通、促进信息共享、加强企业自身管理、建立新型银企关系是缓解信息不对称的有效途径。缓解信息不对称是一个系统工程,一方面需要政府、监管部门及社会中介的支持,另一方面需要银企共建。Asymmetric information between commercial banks and small and medium-sized firms is a critical reason for the financing difficulty for the firms. Therefore, decreasing information asymmetry must be taken into account in resolving financing difficulty of small and medium-sized firms. There are some effective ways to reduce information asymmetry, such as perfecting the information disclosure system, accelerating circulation of information in the market, boosting information sharing, strengthening administration and setting up a new relationship between banks and small and medium-sized firms. It is a systematic project which requires the support of government, supervisory authorities and social media as well as the joints efforts of both sides.

关 键 词：信息不对称 中小企业 融资困境 

分 类 号：F276.3[经济管理—企业管理]