This thesis makes a multi - dimensional analysis for the reasons of credit financing problem hi - tech smes are facing to . it ’ s suggested that the problem in theory originates from credit rationing under the condition of asymmetric information , and in practice results from factors as follows : banks ’ worry based on cost - return and risk analyses , the scarce of the government ’ s function and the deficiency of enterprise competition 本文从多个维度分析了我国科技型中小企业信贷融资的现状,认识到融资难题在理论上是根源于信息不对称条件下的信贷配给,而在现实中则是银行等金融机构基于成本收益分析与风险分析方面的顾虑、政府作用缺失以及科技型中小企业自身竞争力不足共同作用的结果。
