CAJ | 학술논문

由于信息不对称导致的高交易成本和高风险，企业贷款。因此，借鉴国外德国、日本等国的经验，小企业融资难，促进中小企业发展的重要途径。金融结构，特别是大银行，一般都不愿意向中小建立面向中小企业的政策性银行，是解决我国中
유우신식불대칭도치적고교역성본화고풍험，기업대관。인차，차감국외덕국、일본등국적경험，소기업융자난，촉진중소기업발전적중요도경。금융결구，특별시대은행，일반도불원의향중소건립면향중소기업적정책성은행，시해결아국중
Because of the high transaction costs and risks as a result of information disymmetry, financial sectors, especially those large banks, are usually reluetent to offer credit to small and medium enterprises, By loaning the German and Japanese experiemes in this ease, the paper suggests that policy banks should be built to solve the financing difficulties of these enterprices.