较高的风险和成本是阻碍小企业融资发展最主要的因素。在风险方面,由于小企业发展阶段较低,往往不具备完善的财务制度,也缺乏有效的抵、质押品,由此导致的信息不对称问题使银行很难准确评估和缓解信用风险。当然,信息不对称并不是说银行不可能获得有关小企业的各种信息,在许多时候,银行通过 Higher risks and costs are the most important factor hindering the development of small business financing. In the aspect of risk, due to the low stage of development of small enterprises, they often do not have a sound financial system and lack of effective credit and collateral. The resulting asymmetric information makes it difficult for banks to accurately assess and mitigate credit risk. Of course, the asymmetric information does not mean that banks can not obtain all kinds of information about small businesses. In many cases, banks pass