中小企业是我国经济增长的主要支柱。然而，融资难长期困扰其持续发展。据相关调研数据显示，民间融资方式（亲戚朋友借款、民间借贷）的中小企业占比较大，尤其贫困地区中小企业融资难、融资贵更加突出。文章分析了贫困地区中小企业融资现状，并基于信息经济学博弈模型，对银行与中小企业贷款进行了博弈分析后发现，中小企业融资难、融资贵的主要原因在于中小企业融资信息不对称，导致银行对中小企业融资的逆向选择、道德风险和信贷配给不足等问题。然而，随着互联网金融在我国的快速发展，互联网金融通过大数据、云计算等先进技术和方便、快捷的操作流程，打破了信息不对称、信贷配给、逆向选择、道德风险、交易成本高和“长尾”壁垒，互联网金融成为贫困地区中小企业融资的新模式，能有效解决中小企业融资难、融资贵的问题。%The small and medium-sized enterprises are the main support for the growth of our economy, However, the financing difficulty limits their sustainable development. The related surveys show that a large number of SMEs are financed informally , that means they borrow money from friends or relative and private lending. Thus , financing difficulties and high funding costs of SMEs become more prominent in poor areas. this paper analyzes the financing current situation of small and medium-sized enterprises , and conduct a game analysis for the loan between small and Medium-sized Enterprises and banks based on the information economic game model. And the results show that, The major reason for financing difficulties and high funding costs of SMEs is the asymmetric financing information of Small and medium-sized enterprise, which leads banks' adverse selection, moral risk and credit rationing for the financing of SMEs. However, with the rapid development of Internet finance in our country, Internet finance break the barriers of asymmetry information, credit rationing, adverse selection, moral risk, high trade costs and "Long Tail" by big data, cloud computing and other advanced technologies and convenient and quick operational process. It has become a new financing mode of SMEs in poor areas , and has solved the problems of financing difficulties and high funding costs of SMEs.
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