This article stresses two sides. The first is the credits admeasure which is caused by the information asymmetry between the bank and enterprise. The S-W model proposed by Stiglize and Weiss was used to analyse this phenomenon.

• 一方面是由于银企之间的信息不对称产生的信贷配给问题,文中利用Stiglitz和W e iss的S-W模型对此给出了经济学上的理论分析;