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首页> 外文期刊>BioTechnology: An Indian Journal >Financing situation and countermeasure research of Chinese small and micro enterprises under incomplete information
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Financing situation and countermeasure research of Chinese small and micro enterprises under incomplete information

机译：信息不完全的中国小微企业融资状况与对策研究

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Compared with those large and medium-sized enterprises, small and micro enterprises (SMEs) in China face conspicuous financing disadvantages at present. The financial institutions are more apt to finance large and medium-sized enterprises, but strict with the small and micro ones. Therefore, most of them have no choice but to apply to internal financing. However, the small and micro enterprises make increasingly less profits and their internal financing ability gets increasingly weaker with the process of financial crisis. They are now struggling in severe financing troubles. The research, from the view of incomplete information, focuses on the financing sources, channels, and proportion of small and micro enterprises. Thus, it concludes that the main financing problems among those enterprises are insufficient knowledge of financing policies, the information asymmetry with financial institutions, and the information asymmetry within enterprises. Aimed at these problems, the research puts forward some corresponding solutions as follows. First, relationship lending should be developed. It sets its goal at the information asymmetry between small and micro enterprises and financial institutions. Second, credit information management should be strengthened upon small and medium-sized enterprises. This is intended for the information asymmetry between SMEs and the government and financial institutions. Third, managers of small and micro enterprises should know more about the enterprises. This is designed for the information asymmetry within enterprises and that between them and the government.
机译：与大中型企业相比，目前中国的中小企业面临明显的融资劣势。金融机构更倾向于为大中型企业融资，但对小型和微型企业却严格要求。因此，它们中的大多数别无选择，只能申请内部融资。然而，随着金融危机的发展，小型和微型企业的利润越来越少，其内部融资能力也越来越弱。他们现在正在努力解决严重的融资问题。从信息不完全的角度出发，本研究侧重于小型和微型企业的融资来源，渠道和比例。因此，可以得出结论，这些企业之间的主要融资问题是对融资政策的了解不足，与金融机构的信息不对称以及企业内部的信息不对称。针对这些问题，研究提出了以下相应的解决方案。首先，应该发展关系贷款。它以小型和微型企业与金融机构之间的信息不对称为目标。二是加强中小企业信用信息管理。这旨在解决中小企业与政府和金融机构之间的信息不对称问题。第三，小型和微型企业的管理者应该对企业有更多的了解。这是为企业内部以及企业与政府之间的信息不对称而设计的。

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