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在现代企业融资活动中,信息不对称问题是困扰银行和企业的首要问题,不仅影响了我国企业的发展,也影响了银行业务的拓展,是造成目前市场资金过剩,银行惜贷和企业资金缺乏并存的主要原因。文章从逆向选择和道德风险两种表现形式介绍了信息不对称,从社会环境、法律环境、信息环境三个方面对信息不对称的成因进行了具体分析,并提出相关建议。
In the modern enterprise financing activities, the issue of information asymmetry is the primary problem that troubles banks and enterprises. It not only affects the development of enterprises in our country, but also affects the expansion of banking business. It is the result of overcapitalization of the market, banks’ looting of loans and lack of funds for enterprises The coexistence of the main reasons. The article introduces the information asymmetry from the two forms of adverse selection and moral hazard. It makes a concrete analysis of the causes of information asymmetry from three aspects of social environment, legal environment and information environment, and puts forward some suggestions.