珠三角中小企业融资问题研究

银行与企业之间信息不对称是中小企业融资难的重要原因,在信息严重不对称条件下,金融机构贷款行为也发生了很大变化:它们对企业实行惜贷、信贷配给和更高的抵押要求,这严重影响了资源的优化配置。所以,必须建立新型银企关系、整合地方资源,发挥地方性中小金融机构的作用、完善信用担保体系,这有助于解决珠三角中小企业融资难问题。

Pearl river delta small and medium enterprise's financing problem research

Information asymmetrical Between the bank and the enterprise is a important reason why the small and medium-sized enterprises finance difficultly,under the condition of the information asymmetrical,some financial organizations' loan behaviors also have changed very much: They implement pity loan,credit ration and the higher claim of mortgage to enterprises,which have seriously affected the resources optimized disposition. Therefore,it must establish the new bank-enterprise relations,integrate local resources,display the function of the local small financial organ,consummate credit guarantee system,which will solve the financing problem of the small and medium-sized enterprises in Zhujiang Delta