基于博弈论分析中小企业融资障碍破解之道.doc

基于博弈论分析中小企业融资障碍破解之道


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　　【摘 要】融资问题是决定中小企业能否长久发展的关键所在。与大企业相比，中小企业存在的问题很多，如信贷不足、缺乏可作为抵押的固定资产、企业财务信息披露不规范等，导致银行不愿向中小企业放贷，融资难的问题严重限制了中小企业的生存发展。目前，融资难的问题已经成为世界上大多数中小企业共同的难题，这给中小企业的发展造成了严重的障碍。论文运用博弈论的方法研究我国中小企业融资难的现状，探讨我国中小企业融资难的原因，进而对解决我国中小企业融资难的问题提出相应的政策建议。
　　【Abstract】Financing is the key to the long-term development of small and medium-sized enterprises. Compared with large enterprises， there are many problems in small and medium-sized enterprises， such as lack of credit， lack of fixed assets as collateral， non-standard disclosure of enterprise financial information， etc.， which lead to banks' unwillingness to lend to small and medium-sized enterprises， and the difficulty in financing seriously limits the survival and development of small and medium-sized enterprises. At present， the problem of financing has become the common problem of most small and medium-sized enterprises in the world， which has caused serious obstacles to the development of small and medium-sized enterprises. This paper uses game theory to study the current situation of financing difficulties of small and medium-sized enterprises in China， discusses the causes of financing difficulties of small and medium-sized enterprises in China， and puts forward corre