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中小企业是推动一国经济发展的强力剂,而融资难是制约这股强力剂发挥效果的制度因素,破除此约束的有效途径是建立和完善社会经济的外部环境——融资担保体系。研究表明,在评级与信息市场发展充分的条件下,加入担保的银企博弈行为,能够有效提高中小企业融资可得性并降低风险,同时加快建立和完善中小企业融资担保体系,从而解决中小企业融资这一难题。
Small and medium-sized enterprises are potent agents for promoting the economic development of a country. Financing difficulties are the institutional factors restricting the effectiveness of this powerful agent. An effective way to get rid of this constraint is to establish and perfect the social and economic external environment - financing guarantee system. The research shows that under the condition of sufficient development of rating and information market, adding the guaranteed game behavior between banks and enterprises can effectively improve the availability of financing and reduce the risk of SMEs, and at the same time accelerate the establishment and improvement of financing guarantee system for SMEs to solve the problems of small and medium-sized enterprises Financing this problem.