浅议当前我国中小企业融资问题.doc

浅议当前我国中小企业融资问题
摘要:中小企业融资困难并不是现在dd dtt. com才有的问题,也不是我国独有的问题。按现代金融理论的解释,中小企业融资的最大特点是“信息不对称”,由此带来信贷市场的“逆向选择”和“道德风险”,商业银行为降低“道德风险”,必须ssbbww. c om加大ssbbww审查监督的力度,而中小企业贷款“小、急、频”的特点使商业银行的审查监督成本和潜在收益不对称,降低了它们业贷款方面。不过,在发达国家,非正式的权益资本市场、风险投资体系、二板市场的发展,很大程度
上弥补了中小企业的融资资本缺口。性原因外,还有其特殊的一面,主要是经济金融体制变迁过程中,市场经济体制的微观运行基础不完善所带来的制度摩擦。
关键词:我国中小企业;企业融资;国民经济
Abstract: Now small and medium-sized enterprise financing difficult is not the question which only then has, is also not the question which our country is in sole possession. According to the modern finance theory's explanation, the small and medium-sized enterprise financing most major characteristic is “the information is asymmetrical”, from this brings the credit market “the reversion choice” and “the moral hazard”, mercial bank to reduce “the moral hazard”, must increase the examination surveillance's dynamics, but small and medium-sized enterprise loan “small, anxious, frequency” the characteristic mercial bank's examination surveillance cost and the potential e is asymmetrical, reduced them in the small and medium-sized enterprise loan aspect enthusiasm. However, in the developed country, the unofficial rights and interests capital market, the venture capital system, two board market's development, has made up the small and medium-sized enterprise financing capital gap to a great extent. Our country Small and medium-sized enterprise f