我国中小企业典当融资博弈分析研究.pdfVIP

当行在融资的过程中仅关注典当物的价值和来源，不需要中小企业提供信用记录，因此 为中小企业融资提供了一条绿色通道，因此可以说，典当行的高利率是一种信息租金。 最后本文给出了发展典当业的对策和建议，首先，从创新典当业融资服务出发，挖 掘典当业功能，提出与银行建立互补机制，促成银行、典当行与中小企业的三方共赢； 其次，强调了典当业的微观发展措施，指出了树立行业形象、建立人才培养机制、创新 经营管理模式等措施；再次，指出完善典当行业法律法规的迫切性：最后，建议完善社 会信用体系，作为金融机构为中小企业提供贷款时考核的重要参考指标。 关键词：中小企业，融资困难，典当，博弈 ¨ ABSTRACT After the Chinese economic reform，the small and medium—sized enterprises occupied very important position in the economic life．The value created more than the sum total of large state-owned enterprise．It provides abundance position solved the social problem of unemployment largely．But the development of small and medium·sized enterprises always can’t get care of relevant policies．There are many enterprises are also struggling because of the money．The bank loan favor those who of large and medium·sized state·owned enterprises，the financing for small and medium-sized enterprises set up higher threshold．Due to the fact the information asymmetry between serious．and increase the difficulty of the small and medium-sized enterprises get working capital． This paper，from the point of view of the financing pawn，trying to explanation financing for small and medium·sized enterprise pawn relieve financing difficulties of feasibility through the theoretical， and talked about the difference of financing pawn and several others way which is applicable to the financing of small and medium enterprises．Through the game analysis between the bank and the enterprises，we carl get the root causes of small and medium-sized enterprises in the difficulties of financing． Through the game between the pawn and enterprises，we can get the conclusion of the advantage in the financing of small and medium enterprises，pawn is the breakthrough point of financing difficulties of small and medium-sized enterprises．In the last place this paper point out some countermeasures and Suggestions for the pawnbroking in future development looking for their Own core competitive ability and innovative points． This paper will