民营中小企业对促进我国经济增长、提高就业水平、实现社会稳定和公平做出了巨大的贡献,但近年来“融资难”和“融资贵”问题严重制约了其发展。民营中小企业融资难的重要原因之一就是民营中小企业和商业银行等金融机构之间存在严重的信息不对称。这种不对称较容易产生道德风险和逆向选择问题,导致双方信任破裂。银行为避免产生不良贷款的风险,通常选择不贷款给民营中小企业。要想实现银企之间的良性互动,建立长期稳定的银企关系,需要企业自身、政府和银行等方面的共同关注和支持。民营中小企业更是需要提高自身的信用度,竭尽全力获得银行的融资支持。 Private small and medium-sized enterprises have made tremendous contributions to promoting economic growth, improving employment level and achieving social stability and fairness in our country. However, the problems of “financing difficulties” and “financing costs” have seriously hampered their development in recent years. One of the important reasons for the difficulty of private SMEs financing is that there are serious information asymmetries between financial institutions such as private SMEs and commercial banks. This asymmetry is more prone to moral hazard and adverse selection problems, resulting in the breakdown of trust between the two sides. To avoid the risk of non-performing loans, banks usually choose not to lend to private SMEs. In order to realize benign interaction between banks and enterprises and establish long-term and stable bank-enterprise relations, we need the common concern and support from the enterprises themselves, the government and banks. Private SMEs also need to improve their own credit, and make every effort to obtain bank financing support.