中小企业信贷市场融资分析

在斯蒂格利茨和韦斯信贷市场经典模型基础上，引入界定中小企业特征指标的资产规模变量和风险变量，建立一个信息不对称下的中小企业信贷配给模型，分析利率作为甄别机制时，抵押品、企业规模等因素对中小企业信贷配给的影响，为中小企业信贷配给问题提供了一个理论解释，并对解决我国中小企业信贷市场融资难的问题进行了应用分析。

An Analysis on Financing for Small & medium-sized Enterprises in the Credit Loan Market

On the basis of Steer Cliff and Vegas Credit Market Classic Model, introducing asset size variant and risk variant tO define the characteristics indicators of small and medium - sized enterprises, a credit quota model is set up for small and medium -sized enterprises under asymmetric information when interest rate serving as a screening mechanism. An analysis is made to throw light on the impact of collateral, firm size, etc. on credit quota of small and medium - sized enterprises, presenting the problems for credit quota for small and medium - sized enterprises with a theoretical explanation, and providing an applicable approach to the financing dilemma of small and medium -sized enterprises in credit loan markets as well.