Abstrait

Exploration of under the perspective of information asymmetry small and micro enterprises financing

Li Zhang

This study researched on small micro-enterprise financing under the perspective of information asymmetric. It mainly analyzed the information asymmetry financing difficulties of small and micro enterprises, which carried out a detailed analysis of the plight from small and micro enterprises and commercial banksï¼Ã‚›commercial banks loan officers and commercial banksï¼Ã‚›Financial services intermediaries and commercial banks, small and micro enterprises and private capital for the financing of small and micro enterprises. At the same time, it used Haiyingna model modeling to analyze. Research methods: Haiyingna model considered that many loans be made under uncertain conditions in accordance with the rules of conduct, which many loans generated by uncertainties affected. Results: small and micro enterprises and commercial banks, commercial banks and commercial banks credit officers, financial services intermediaries and commercial banks, small and micro enterprises and private capital, among them there are four levels information asymmetric, which made things worse and reduced the possibility of obtaining financing. In other words, these four subjects all existed obstacles for small and micro enterprises. So its financing channels blocked almost everywhere, and this will inevitably lead to the difficulties situation of small and micro enterprises financing. For these problems, its better to take appropriate measures to reduce the degree of asymmetry of information between the bodies, or reduce the cost of credit business of commercial banks dealing with small and micro-enterprise.