信用担保运行中信息不对称的扩大分析及其防范对策

信用担保是当前政府用来缓解中小企业融资难的一项重要举措,它虽然在一定程度上有助于克服银企之间由于信息不对称所造成的融资困难,但同时又会产生另外两对信息不对称实体:一是担保机构和受保企业之间的信息不对称;二是担保机构和协作银行之间的信息不对称。所以信息不对称在信用担保的运行过程中并未因担保而消除,甚至有扩大的趋势。文章对信用担保过程中的信息不对称扩大的现象进行了分析,并提出一些防范对策。

Credit guarantee operation's information dissymmetry expansion analysis and its prevention countermeasure

the credit guarantee is the important measure that is used to to solve The difficulty of financing of mid-and-small enterprises by government.Although it can help to alleviate the difficulty of financing between enterprise and bank for the reason that there is information asymmetry,another two pieces of entities of information asymmetry have produced: one is the credit guarantee institution and the guaranteed enterprise;the other is the credit guarantee institution and bank.So the information asymmetry doesn't eliminate for the guarantee,even which has the tendency of enlarging.The text analyzes the phenomenon of tendency and provides some guarding policies.