摘要
中小企业在整个国民经济中的地位是很重要的,由于各种原因中小企业一直面临严重的融资难问题。随着我国金融体制改革的深入,金融领域的诸多限制将会逐步取消,特别是利率管制的取消可以使金融主体依据市场规律,按收益和风险原则自主决定各类金融资产的价格,从而缓解中小企业融资难问题。然而,由于金融市场上普遍存在的信息不对称,利率市场化并不能完全消除中小企业融资难问题,中小企业仍将面临来自直接和间接融资方面的约束。要从根本上解决中小企业融资难问题,除了放松管制,还必须从根本上解决信息不对称问题。
Small-sized and medium-sized enterprises play a very important part in the national economy. However, for various reasons they are often tied up with financing problems. With the deepened reform of financial institution in our country, a good many restriction will be put to an end; especially, the cancellation of financial, control can make financial organizations independent in deciding various financial assets prices according to market rules, which can reliere many enterprises of financial difficulties. But since there exists information unsymmetry all over the market, interest rate maketization cannot solve their problems entirely for which small-sized and medium-sized enterprises are still involved in direct and inirect financial restriction. So it is important to adjust the control mechanism and clear up information unsymmetry.
出处
《商业研究》
北大核心
2004年第13期66-68,共3页
Commercial Research
关键词
中小企业
融资
金融主体
信贷配给
small sized and medium-sized enterprises
financing
financial part
credit distribution
