健全征信体系化解金融危机下中小企业融资难问题  

To Perfect the System of Credit Investigation and the Solutions for Difficulties in Financing of SMEs Under the Financial Crisis

作　　者：梁涛[1] 唐明琴[1] 

机构地区：[1]广东金融学院,广州510521

出　　处：《经济问题》2009年第12期98-100,115,共4页On Economic Problems

基　　金：广东省社科规划办项目"促进广东征信市场繁荣发展的长效机制研究"(08GE-06)的阶段性成果

摘　　要：金融危机下我国银行信贷集中趋势更为明显,中小企业融资难问题更为突出。虽然国家出台了一系列刺激经济发展的计划以应对金融危机,但是绝大部分的中小企业没有从积极的财政政策和适度宽松的货币政策中直接受益。银行采用信贷集中的根本原因是缘于银行与中小企业之间的信息不对称,金融危机的发生只不过是加剧这种信息不对称。应从健全征信体系入手,减少银行与中小企业之间的信息不对称才能从根本上化解金融危机背景下中小企业融资难问题。Under the financial crisis, in our country, as the trend of bank credit concentration becomes more and more obvious, the problem of the financing trouble of the medium - sized and small enterprises stands out. Although our country has already carried out a series of plans of stimulating the economic growth in order to answer the challenge of the financial crisis, most medium- sized and small enterprises still can not directly benefit from the proactive fiscal policy and the appropriately loose monetary policy. The root cause that the bank adopt the policy of bank credit concentration is the information asymmetry between the bank and the mediumsized and small enterprises. Therefore, to start with perfecting the system of credit investigation, and then to cut down this information asymmetry, can fundamentally resolve the problem of financing trouble of the medium - sized and small enterprises under the financial crisis.

关 键 词：信贷集中 征信体系 均衡信贷配给 中小企业 融资 

分 类 号：F276.3[经济管理—企业管理]