非對稱信息下中小企業(yè)信貸融資困境的經(jīng)濟學分析.pdf

1、分類號：——密級：——單位代碼：】Q盟Z學號：—2004—20123西北大學碩士學位論文題目：韭盟鏊籃息王生塵!全些售貨融童圍撞的經(jīng)渣堂僉板作者：鲞美亙指導教師：整至蕉專業(yè)技術職務：型塾蕉學科(專業(yè))：魚壹絲盜堂答辯日期：!Q12生i旦學位授予日期二00七年六月AnEconomicalAnalysisofCreditFinancingPuzzlementofSmaUandMediumSizedEnterprisesbasedonAsym

2、metricalInformationAbstractSincethereformandopenpolicysmallandmediumsized鍘曲印risehasb‘搿加eallimportantstrengthinChina’seconomydevelopmentwhielaplaysapivotalroleincreatingpublicweatthdevelopingnationaleconomyalleviatingempl

3、oymentpressureandsoonIIowcvclttheissueoffinancinghasbecometheprimeproblemintheprocessofestablishinganddedopingsmRllandmediumsizedenterprisesForinst4蛆eefmaneingchannelsareratherfewandinfluenttothosesmallandmediumsizedente

4、rprisesFacingthehugeemploymentpressureandtheurgentneedofthereadjmlmentoftheeconomicbtruct衄e，Chinaisinaspecial暾ofeconomicalreformingllov／soitsl斃m(xù)sextremelyimportanttodevelopsmallandmediumsized豇嫩=rpri瞄andhowtobreakthrought

5、he‘bottleneck’offundinthedevelopingprocessofsmallandmediumsizedenterprisesinChinahasbeco礎acrucialresearchtopicatpresentUnderthecurrenteconomicalreformingbackgroundtheChinesemarketenvironmentofsnla[1andmedium—sizedenterpr

6、isespresentsthefollowingseveraleharaeleristies：theimperfectmarketmechanismtheimbalaneedmarketsystemthelowcreditthatrigorouslyaffectsthediversifiedfinancingchannels，themainchanneloffinancingofChineseenterprisesisstilltheb

7、ankloanBasesOllthespecialbackgroundofChineseeconomyreformingusingasymmetricalinformationtheoryandthegamblingtheoryutilizingtheunifiedmethodofthestaadardanalysisandtherealdiagnosisanalysis，thisarticletheoreticallyandcompa

8、rativelyanalyzesthepuzzledomincreditfirJaneingofsmallandmedium—sizedenterprisesduringtheChinafinancingreformprocess，andthensyntheticallyconstlu髓thewroughtltasonofthatpuzzledomFinallythisarticleputsforwardthereasonablepro