Reducing the cognitive differences between banks and middle and small-sized enterprises in project risk and easing credit rationing,is an important way to solve the financing difficulties of small and medium-sized enterprises. From the perspective of credit rationing,the article finds out the impart factors of cognitive differences between the banks and middle and small-sized enterprises through literature research,and uses the DEMATEL model to analyze the relationship between these factors. Last,it puts forward the relevant suggestions on reducing cognitive differences between banks and enterprises. It is found that the four factors, the standard of credit collection and evaluation, enterprise credibility,effective communication between the banks and enterprises,and the social credit system construction,have the greatest centrality,which is 6. 729,6. 357,5. 889,and 5. 748. They are the key factors of influencing the cognitive difference between banks and enterprises. However,the reasons for the bank's information capacity and the credit collection and evaluation for enterprise is noteworthy,which are -1. 064 and -1. 027 respectively. The two factors are the most immediate influence factors of expanding on the cognitive differences between banks and enterprises.%降低银行与中小企业在项目风险上的认知差异,缓解信贷配给,是解决中小企业融资难的重要途径.文章结合文献从信贷配给的视角出发,总结了银行和企业间认知差异产生的影响因素,并采用问卷调研和DEMATEL模型分析这些影响因素之间的关系,提出降低银行和企业间认知差异的相关建议.结果表明:资信采集与评估规范程度、企业自身信誉、银行和企业间积极有效的沟通及社会信用体系建设这四个因素的中心度较大,分别为6.729、6.357、5.889和5.748,它们是银行和企业间认知差异产生的关键影响因素;而银行信息生产能力、对企业资信采集与评估这两个因素的原因度最为显著,分别为-1.064和-1.027,其是银行和企业间认知差异扩大的最直接的影响因素.
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