非正规金融：中小企业融资的一个有益补充渠道

介绍了非正规金融在发展中国家对中小企业融资的重要作用,认为信息不对称是目前我国中小企业正规融资困难的主要因素,非正规金融是我国中小企业融资的较好途径和有益补充渠道。结合浙江省的非正规金融的调查报告,总结出中小企业的非正规融资在浙江省的特点,提出了相应的建议,以促进非正规金融更好地为中小企业融资。

Informal Financial: A Useful Supplementary Channel to Financing of SMEs

The important role of informal finance of the small and medium-sized enterprises（SMEs） in developing countries is discussed.It reveals that the asymmetry of information is the important factor making the difficulty of SMEs in China to financing formally.The informal financing is a better way and useful supplementary channel for SMEs.Based on the investigation report on informal finance in Zhejiang Province,the informal financing characteristics of SMEs are analyzed.The according recommendations are proposed to improve the environment for SMEs financing.