信息不对称视角下信用担保的风险成因及治理研究

从信息经济学角度,通过运用数理金融中的定量分析方法,并结合现代金融学中的定性分析方法,深入探讨信用担保风险形成的金融机理问题,为我国信用担保业的科学运营提供重要的决策参考。研究对于构建完备有效的中小企业信用担保体系,切实有效地发挥其在中小企业融资中的作用,具有很好地理论指导和现实意义。

Study on the Emergence and Solution of Credit Guarantee Risk from the Perspective of Information Asymmetry

By using quantitative analysis methods in mathematical finance and qualitative analysis methods in modern finance,the paper discusses the finance mechanism caused by credit guarantee risk from the perspective of information economics,and provides referrences for decision making of credit grarantee in China.This research provides a good theoretical referrence and realitic value in establishing a perfect and efficient credit guarantee system for medium-sized and small enterprises,the role of credit guarantee in the financing of medium-sized and small enterprises may be strengthened then.