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中小企业融资难一直是制约中小企业发展的瓶颈。本文通过分析得出解决信息不对称问题是解决中小企业贷款难的关键,受孟加拉小额信贷的启发,提出通过建立合作社帮助中小企业贷款,并说明合作社在解决信息不对称和控制道德风险方面都有较大优势。
SME financing difficulties have always been the bottleneck restricting the development of SMEs. This paper concludes that the solution to the problem of asymmetric information is the key to solving the problem of SMEs’ loan difficulties. Inspired by the micro-credit in Bangladesh, the paper proposes to establish a cooperative to help SMEs to borrow and explain that the cooperatives are both effective in solving information asymmetry and controlling moral hazard Have greater advantage.