CAJ | 학술논문

　　本文通过构建中小企业、银行和担保机构三方的序贯博弈，对我国中小企业信贷担保问题进行了细致的深入分析，认为可以通过建立新型的战略合作伙伴关系，设计合理的信贷和担保契约，可以有效解决逆向选择和道德风险问题，来缓解中小企“贷款难，担保难”问题。
　　본문통과구건중소기업、은행화담보궤구삼방적서관박혁，대아국중소기업신대담보문제진행료세치적심입분석，인위가이통과건립신형적전략합작화반관계，설계합리적신대화담보계약，가이유효해결역향선택화도덕풍험문제，래완해중소기“대관난，담보난”문제。
By constructing the Sequential Game of SMEs, banks and guarantee agencies, this paper made detail and in-depth analysis on the issue of SME credit guarantees, and thought that establishing a new strategic partnership and designing a reasonable credit and hypothecation can effectively resolve the problem of adverse selection and moral hazard and ease the "difficult loans, difficult guarantees"problem of SMEs.