小微企业融资问题的经济学分析与启示  

The Economic Analysis and Revelation of Small and Micro Enterprise Financing Problem

作　　者：孙若宁[1] 

机构地区：[1]中国人民银行沈阳分行,辽宁沈阳110001

出　　处：《吉林金融研究》2015年第8期33-36,共4页Journal of Jilin Financial Research

摘　　要：我国小微企业作为一个独立的企业类型,已成为我国经济持续稳定发展的重要力量。但是,由于种种原因,小微企业的发展过程中始终存在着资金缺口,融资难问题格外突出。本文,着重分析了小微企业融资困境形成的经济学原因,深入探究了信息不对称和信贷配给对小微企业融资产生的深层次影响,并从经济学基础理论角度提出了解决小微企业融资问题的途径。China＇s small and micro enterprises as an independent type of enterprise, has become an important force in the economic development of our country. However, due to various reasons, the development of small and micro enterprises in the process of the existence of the capital gap, the problem is particularly prominent financing. In this paper, we analyze the economic reasons of the formation of small and micro enterprises financing difficulties, explore the deep impact of information asymmetry and credit rationing on the financing of small and micro enterprises, and put forward the way to solve the financing problems of small and micro enterprises from the perspective of economic theory.

关 键 词：小微企业 融资困境 

分 类 号：F832.4[经济管理—金融学] F276.3