信贷配给和中小企业融资缺口对策研究.pdf

Abstract The ofChinassmallandmedium-sized one development enterprises(SMEs)is ofthe elementsforchina’S Cannotobtain key economy．Unfortunately，SMEs financialservices．Thatkindof exists in adequate problem china．Afterthefinancial Chinawith compare of thoseofothermainAsian system thatsincestate-ownedbanksa rolein countries，thisargues paper playmonopoly China’Sfinancial difficultforChina’SSMEsto the system，it’S gain long-term financial articletakesdual ofcreditrationasa support．This equilibrium startingpoint, and ChinasSMEscannotobtain financialservicesintwo explainswhy adequate istheinformationcost：the costis thanthatof aspects．One marginal higher big dueto its information the enterprises specific stmctIlre．Onlysharpening and theinformationcostCan the information-handlingcapacity reducing change ofcredit the ofcreditrationto equilibriumposition ration,andthen,direct equilibrium the ofwelfare．Theotheristhereform financial equilibrium general practice：thegap ofChinasSMEssourcetothefinancial thatfromstate—owned support monetary andthe ofstate—owned tothe system幻