Analysis on the Mechanism of Credit Information Agencies to Alleviate Financing Difficulties of Small and Micro Enterprises  

征信机构缓解小微企业融资难的作用机制分析

作　　者：CHEN Taiyang 

机构地区：[1]NanjingBranch,People'sBankofChina,Nanjing210004,China

出　　处：《外文科技期刊数据库(文摘版)经济管理》2021年第5期051-053,共5页

摘　　要：Nowadays, China's credit information industry is developing continuously. As a professional, independent and objective third-party institution, credit information agencies has played an intermediary role in the financial field. Its collection of credit information helps enterprises to conduct compliance financing in the financial market. In order to study the role of credit information agencies in the financing of small and micro enterprises, this paper analyzes the financing status of small and micro enterprises, and effectively analyzes the role and shortcomings of credit information agencies in solving the financing problem. Finally, the paper gives the feasible suggestions that credit information agencies should establish credit system for small and micro enterprises, establish big data credit information platform, and set up rating methods for small and micro enterprises, so that credit information agencies can play an important role in solving the financing problem of small and micro enterprises.

关 键 词：credit investigation FINANCING small and micro enterprises 

分 类 号：F832[经济管理—金融学]