关键词: 贷款利率自由化 , 中小企业贷款 , 逆向选择 , SW贷款供给曲线

Abstract: Based on the fundamental assumptions about asymmetric information and the resulting adverse selection,this paper applied the SW loan supply curve to innovatively provide an explanation for hypothesis that China loan rate liberalization might alleviate the loan supply constraints of small and mediumsized enterprises (SMEs)The policy implication of this study suggested China should accelerate efforts to push the deposit rate liberalizationThe fundamental way to alleviate the loan supply constraints of SMEs lied in the policies that could effectively reduce the degree of asymmetric information in the Chinese loan market

Key words:  loan rate liberalization , loans to SMEs , adverse selection , SW loan supply curve