| 中小企业信用担保信息不对称问题及对策 |
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| 引用本文： | 李春芳,蒋海苹.中小企业信用担保信息不对称问题及对策[J].池州师专学报,2008,22(2):39-42. |
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| 作者姓名： | 李春芳 蒋海苹 |
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| 作者单位： | 李春芳（安徽经济管理学院财务会计系,安徽合肥,230031）;蒋海苹（安徽大学工商管理学院,安徽合肥,230016） |
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| 基金项目： | 安徽省教育厅高校青年项目资助项目(2007jqw012);安徽省软科学研究(07030503064). |
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| 摘 要： | 随着我国市场经济的发展，大量中小企业不断涌现，并已成为国民经济的重要组成部分，对经济增长和社会就业起到了巨大的推动作用。但是，在我国中小企业发展过程中，存在较大的融资难问题，而融资难的最大障碍是担保难。本文阐述了信用担保的相关概念，分析了我国中小企业融资难的现状。探讨了我国中小企业信用担保信息不对称的主要问题及原因。以及解决中小企业信用担保信息不对称的基本思路。
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| 关 键 词： | 中小企业 信用担保 信息不对称 |
| 文章编号： | 1674-1102(2008)02-0039-04 |
| 修稿时间： | 2008年2月12日 |
The Problems and Countermeasures of SMEs Credit Guarantee under the Circumstances of Asymmetric Information |
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| Institution: | Li Chunfang, Jiang Haiping(1.Financial and Accountant Department,Anhui Agricultural Management Cadre Institute,Anhui, Hefei, 230031; 2.Business Administration College Anhui University,Anhui ,Hefei 230016 ) |
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| Abstract: | With the development of the market economy in our country, a great number of small and medium-sized enterprises have been set up. They have become an important part of our national economy and played an important role in the economic growth and social employment.At present our small and medium-sized enterprises have en- countered a great difficulty in the course of the development. That is the difficulty of financing, while the difficulty in financing is beset with the difficulty in credit guarantee.The paper describes the related conception of credit guarantee and the current situation of credit guarantee of small and medium-sized enterprises under the circumstances of asymmetric information in our country. It analyzes the main problems and causes of asymmetric information in credit guarantee of small and medium-sized enterprises in our country,and presents the basic ideas in solving the asymmetric information problems. |
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| Keywords: | Small and Medium-Sized Enterprises Credit Guarantee Asymmetric Information |
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