基于信息不对称角度的林业中小企业信贷融资分析  

Analyses of Forestry’ SME’ Credit Financing Based on Information Asymmetry

作　　者：肖慧娟[1] 秦涛[1] 宋晓梅[1] 

机构地区：[1]北京林业大学经济管理学院

出　　处：《林业经济》2010年第11期90-93,共4页Forestry Economics

基　　金：中央高校基本业务经费北京林业大学科技创新计划(编号:BLW201019)

摘　　要：中小企业是林业企业的主体,但是融资困难制约了它们的发展和在林业建设中作用的发挥。文章分析了我国林业中小企业信贷融资中信息不对称的表现,指出由于信息不对称导致林业中小企业贷款中银行普遍＂惜贷＂、＂慎贷＂,信贷配给现象严重,提出建立银行与林业中小企业之间的关系型贷款模式来解决信息不对称所带来的不利影响。SME are main part in forestry industry.However,financing difficulty restrains the development of them and also affects their functions in forestry industry.This paper analyzes Forestry ＇SME＇credit financing based on information asymmetry,points out because of information asymmetry the commercial banks provide prudently loans to the forestry SME and credit rationing is serious.In order to solve information asymmetry,this paper suggests to build up ＂relationship loan＂ between Forestry＇SME＇and commercial banks.

关 键 词：信息不对称 林业中小企业 商业银行 关系型贷款 

分 类 号：F832.4[经济管理—金融学]