摘要
在中小企业成长过程中，由于各个阶段的融资能力和资金需求有不同的特点，存在着融资约束——金融缺口。而信息不对称造成的道德风险行为和逆向选择行为使得银行对中小企业信贷配给非常谨慎，从而导致对中小企业成长的融资约束，其严重制约了中小企业的发展壮大。
During the growth process of SME, financing constraints or financing gap exist due to the different characteristics of financing capacity and funds demand at various stages. But banks are very cautious in credit--giving to SME, because of moral hazard behavior and adverse selection which is caused by asymmetric information, which results in the financing constraints of SME growth and serious constraints the development of SME.
作者
陈建明
宋农村
CHEN Jian-ming, SONG Nong-cun （School of Management,Xuzhou Institute of Technology, Xuzhou, 221008, China）
出处
《徐州工程学院学报》
2008年第6期31-34,共4页
Journal of Xuzhou Istitute of Technology
基金
基金项目：江苏省社科基金项目（批准号07EYC069）、校级科研项目（批准号XKY200628）.
