| As a less developed province in China, the factors which restrict finance for small and medium enterprises in Guizhou province have some general charactors in China, some factors is caused by the lag reform. Now in Guizhou province, we should enlarge the dynamics of government-owned enterprise' reform what's more urgently to develop small and medium enterprises so, it is very important. As a MBA working at bank for many years, writer attempt to combine the theories investigation and make use of it, analyze present condition and front see, I investigation the present condition of small and medium enterprises indirectly loan and the restrict factors, forward some innovative suggestions.Text make use of finance theory and economy model to analyze the restrict factors for small and medium enterprises hard to lend indirectly loan. Text hold that the source reason of small and medium enterprises hard to lend indirectly loan is information incorrect symmetry. At the same time, the investigation of economy model I find that in the condition of banking monopoly economy the information incorrect symmetry, loan mortgage and deal cost of small and medium enterprises is the most importance variable. If decrease information incorrect symmetry increase loan mortgage and decrease deal cost could add the loan. I draw lessons from development country and area the solution of this question, and take a step forward to answer this difficulty question.I try hardly to combine the theories investigation and make use of it, it is some practically sense for Government, enterprise circle, banking circle. It will contributes to solve the problem with small and medium enterprises of Guizhou province. It will improve the micro investment environment And also it will contributes to accelerate development of the small and medium enterprises. Another purpose of this article is to arouse some practical and new idea, which can be used by the industries, the theories and the governments of Guizhou province. |
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