基于信息不对称视角的小微企业融资难博弈分析

小微企业在创造就业机会、维护社会稳定以及活跃市场经济等方面发挥着巨大的作用.但是,由于小微企业经营规模小、自有资产少、抗风险能力差等原因,其很难通过银行等金融机构获得有效贷款.从信息不对称视角分析小微企业的逆向选择和道德风险对银行放贷的影响,结果表明：为解决小微企业融资困境,应加强诚信教育,传播信用知识;搭建信息平台,互通信用信息;提升评级质量,公布评级结果;促进银企沟通,建立服务平台.

Game Analysis on SME Financing Difficulties from the Perspective of Information Asymmetry

Small and micro enterprises （SMEs） have played a huge role in creating jobs, maintaining social stabili-ty and mobilizing market economy. However, owing to the small scale of operation, less own assets, and poor abilityto resist risks, SMEs have difficulties in obtaining valid credit through banks and other financial institutions. Thepaper made an analysis on the impact of adverse selection and moral hazard upon SMEs obtaining bank loans fromthe perspective of information asymmetry. The results show that it＇ s necessary for solving the financing difficulties ofSMEs to strengthen the integrity education, and spread credit knowledge; build information platform for exchange ofcredit information; improve the quality of ratings, and publish the rating results; facilitate communication betweenbanks and enterprises, and establish the service platform.