| dc.description.abstract | Financing gap have been classified due to asymmetric information, Financing difficulties of small and medium enterprises to become the social norm, While frail is the small and medium enterprise financing obstacles, but it is relative not absolute, If you could do a credit, the Bank can also be a happy credit people. Most of the small and medium enterprises are risk neutral, adverse selection is a hypothetical reasoning, most small business owners is how much money how much business mentality, so M-direction as the overall enterprise architecture will gradually develop. According to this study found that companies have the ability to explain, other factors are not significant，support there may be information asymmetry phenomenon, Financing risk both major income from information asymmetry, rather than the prior information asymmetry，and this asymmetric information will still exist in large enterprise.
Financing gap phenomenon occurs for two reasons: first bank errors in mind include heuristics biases and audit focus etc, Other financial structure is incomplete include small and medium enterprise single pipe and small and medium enterprise financing incentives etc. Demand for small and medium enterprises and the unemployment rate is like, There are cyclical and structural problems, Government should be clearly formulated in general business and finance two-track system of small and medium enterprises, not only in line with the modern financial information-segment market structure, also helped pilot a single financial market tilt to large enterprises, can improve both the unemployment rate and promote greater political stability.
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