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只有进一步降低信息获取成本、提高信息透明度,才能降低新的贷款人和投资方进入中小企业融资市场的壁垒,提高信贷供应量。中小企业对于欧洲经济发展具有举足轻重的作用:提供了三分之二的就业机会,在附加值总额中占比为58%。2008年金融危机爆发后,过度依赖国内市场和银行贷款的中小企业发展受到重创。根据贝恩公司和国际金融协会于2013年进行的调查,在法国、爱尔兰、意大利、荷兰、葡萄牙和西班牙这6个国家中,银行对房地产抵押贷款设置了更严格的抵押要求并调低了贷款价值
Only by further reducing the cost of obtaining information and enhancing the transparency of information can we reduce the barriers for new lenders and investors to enter the SME financing market and increase the supply of credit. SMEs play a pivotal role in the economic development of Europe: providing two-thirds of job opportunities, accounting for 58% of the total added value. After the outbreak of the financial crisis in 2008, the development of SMEs that over-relied on the domestic market and bank loans was hit hard. According to a survey conducted by Bain & IFC in 2013, of the six countries in France, Ireland, Italy, the Netherlands, Portugal and Spain, banks placed stricter mortgage requirements on real estate backed loans and reduced their loans value