In the fourth chapter , a bank - enterprises credit model has been set up to analyze credit rationing in indirect financing risk , which helps to find proper measures lessening the information asymmetry and moral risk in credit . lastly the author puts forward several suggestions for the controllment of medium and small - size enterprises " financing risk . the sticking - point of this paper is to review the dynamic game played between bank and medium and small - size enterprises providing some advice in detail to depress the moral risk and converse choice in the financing process of medium and small - size enterprises 其中,第三章探索了中國中小企業(yè)融資過程中存在的各類風(fēng)險動因、特征和效應(yīng);建立綜合評價中小企業(yè)融資風(fēng)險的指標(biāo)體系;第四章則針對間接融資渠道對于企業(yè)的重要程度,建立銀行和企業(yè)借貸模型,定量分析導(dǎo)致間接融資風(fēng)險中“惜貸”風(fēng)險的因素? ?信貸配給,并進一步從理論上尋求降低銀行和企業(yè)間信息不對稱、防范資金信貸中的道德風(fēng)險和逆向選擇的方法。