1、 本科毕业设计(论文) 题 目：信息不对称对中小企业融资问题影响分析 学 院： 国际商学院 专 业： 姓 名： 指导教师： 年 月 日 1 信息不对称对中小企业 融资问题影响分析 Analysis about effects of information asymmetry on financing in small and medium-size enterprises 摘 要 信息不对称是困扰银行信贷市场的一大难题。在银行信贷市场中,信息不对称首先会 导致大量的银行贷款无法收回,其次缺乏信息的银行一方将会实行严格的信贷配给,不敢 轻易放贷,因而持有大量存款资金的银行会出现“惜贷”的不正常现
2、象。信息不对称导致 企业融资中逆向选择和道德风险问题的存在,影响了资源的优化配置,导致大量的中小企 业被排斥在正规金融体系之外，本题针对这种情况，将对中小企业的融资问题进行基于信 息不对称的分析，并提出相应的治理措施。 关键词关键词 中小企业，信息不对称，信贷配给，逆向选择，道德风险 ABSTRACT Information asymmetry is a puzzle which is harassing the bank credit market. In bank credit market, on one hand, the information asymmetry causes ma
3、ssive loan not be able to be drawn back, afterwards the banks which lack of information implement strict credit ration towards the enterprises. The banks do not dare to make lending easily, though they hold abundant deposited fund. The information asymmetry which may result in the existence of adver
4、se selection and moral hazard affected the optimized disposition of resources, which in turn will result in that massive small and medium-sized enterprises are still repelled out of the regular financial system. As to this situation, this paper will carry on some analysis to the SMEs financing problem based on the information asymmetry, and will propose some suggestion to the problem. KEY WORDS Small and medium-size enterp
