文献类型：期刊文献

中文题名：中小企业集群的信贷融资优势——从信息不对称理论角度分析

英文题名：Analysis of Credit Advantage of Medium and Small-sized Enterprises clusters Based on Theory of Information Asymmetry

作者：赵秀芳[1];周利军[2]

机构：[1]绍兴文理学院经济与管理学院，浙江绍兴．312000;[2]浙江经贸职业技术学院绍兴分校，浙江绍兴312000

年份：2003

卷号：23

期号：4

起止页码：81

中文期刊名：绍兴文理学院学报：哲学社会科学版

外文期刊名：Journal of Shaoxing College of Arts and Sciences

语种：中文

中文关键词：信息不对称;逆向选择;道德风险;中小企业集群

外文关键词：information asymmetry; adverse selection; moral hazard; medium and small - sized enterprises cluster

中文摘要：金融市场中的信息不对称是由于授信主体较难获得受信主体的真实信息而引起的,信息不对称导致了逆向选择和道德风险,使中小企业信贷融资困难.中小企业集群不仅给中小企业带来诸多的竞争优势,也在一定程度上缓解了信息不对称程度,降低了道德风险和逆向选择发生的可能性并降低银企交易成本.因此,中小企业集群将有利于缓解中小企业融资难问题.

外文摘要：The information asymmetry in the financial market is caused by creditor's difficulty in obtaining the real information from the debtor. Information asymmetry results in adverse selection and moral hazard, which make the medium and small - sized enterprises very difficult to deal with. The clusters of medium and small - sized enterprises can not only bring these enterprises lots of advantages in competition , but also reduce the information asymmetry in a way. So in our opinion, the clusters will resolve the financial problems of medium and small - sized enterprises.