信息不对称理论表明:当市场经济行为的一方在信息上占有优势时,信息不对称就会发生。信息不对称发生时,市场资源配置便会发生扭曲达不到帕累托最优。在我国小额信贷项目运作中同样存在着信息不对称,在经济领域、制度安排、政策法规上发生着排斥现象。面对这些困境本文从信息不对称视角进行了相关对策分析。 Asymmetric information theory shows that asymmetric information occurs when one side of the market economy takes advantage of the information. Information asymmetry occurs, the market resource allocation will be distorted less than Pareto optimal. In the operation of China’s microfinance projects, there is also information asymmetry, and in the economic field, institutional arrangements and policies and regulations have the phenomenon of exclusion. In the face of these dilemmas, this paper analyzes the countermeasures from the perspective of information asymmetry.