| 不对称信息下农村中小企业的信贷配给 |
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| 引用本文： | 何国华,肖兰华.不对称信息下农村中小企业的信贷配给[J].经济管理,2008(9). |
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| 作者姓名： | 何国华 肖兰华 |
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| 作者单位： | 武汉大学经济与管理学院;430072; |
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| 摘 要： | 我国农村中小企业规模小,产品和技术落后,且治理结构不规范,讲信用不够,特别是财务信息不透明,在与银行的信贷融资中存在严重的信息不对称,使银行的信贷风险上升,交易成本增加。由此导致银行的信贷配给,也使农村中小企业面临融资信贷难。为此,本文提出一些缓解银行对农村中小企业信贷配给的对策措施。
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| 关 键 词： | 不对称信息 农村中小企业 信贷配给 对策措施 |
Under information asymmetry rural area medium-sized and small enterprises credit allotment and countermeasure study |
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| HE Guo-hua XIAO Lan-hua.Under information asymmetry rural area medium-sized and small enterprises credit allotment and countermeasure study[J].Economic Management,2008(9). |
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| Authors: | HE Guo-hua XIAO Lan-hua |
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| Institution: | HE Guo-hua XIAO Lan-hua (School of Economics}Management,Wuhan University,Wuhan,Hubei,430072,China) |
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| Abstract: | Our country rural area medium-sized and Small enterprises scale is small,The structure of management have not standardized,credit hiatus,financial affairs information opacity,There exist grave information asymmetry in middle and bank in credit financing.This makes the credit risk of the bank to rise and the business cost to increase,From this has caused the credit rationing of bank.Credit is difficult to make rural area medium-sized and small enterprises be confronted with a financing also,therefore,This ar... |
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| Keywords: | asymmetrical information countryside medium-small enterprises credit rationing countermeasure measure |
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