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近几年来,中小企业数量虽然提高较快,但困扰其进一步发展的融资难问题仍未得到有效解决,以中国工商银行为例,2006年4月末向中小企业的贷款余额虽达到了1000亿元,但还不到其贷款总量的3%。究其原因,银行和中小企业在合作过程中,双方的信息不对称是重要影响因素。为更好地支持中小企业的发展,笔者结合工作实际,就如何有效解决银企信息不对称状况谈几点体会。
Although the number of SMEs has risen rapidly in recent years, the financing difficulties that have plagued its further development have yet to be effectively solved. Taking Industrial and Commercial Bank of China for example, the loan balance to small and medium-sized enterprises at the end of April 2006 has reached 100 billion yuan , But less than 3% of its total loans. The reason, banks and small and medium enterprises in the process of cooperation, both sides of the information asymmetry is an important factor. In order to better support the development of SMEs, the author combined with the actual work, how to effectively solve the situation of asymmetric information about bank-enterprise to talk about some experience.