一、信息不对称与中小企业信贷融资按照信息经济学的解释,信息不对称是指某些市场参与者拥有另外一些参与者不拥有的信息。中小企业信贷市场上的信息不对称是相对于中小企业和信贷机构(主要为银行)而言,与信贷机构相比,中小企业占有信息优势,能够掌握更多、更真实的企业内部信息,而信贷机构通过有限渠道了解到的中小企业信息则是不 I. Asymmetric Information and SME Credit Financing According to the explanation of information economics, information asymmetry means that some market participants have information that is not owned by other participants. Asymmetric information in the SME credit market is relative to SMEs and credit agencies (mainly banks). Compared with credit institutions, SMEs have the advantage of information and can acquire more and more realistic internal information of enterprises. However, SMEs that lenders know through limited channels do not