征信与行政执法对中小企业环保行为的效能比较:日照案例  

Efficiency Comparison between Credit Reporting and Administrative Law Enforcement on SMEs Environmental Protection Behavior:Rizhao Case

作　　者：陈刚[1] 桑亮光[1] 丁文[1] 孔磊[1] 

机构地区：[1]中国人民银行日照市中心支行,山东日照276800

出　　处：《金融发展研究》2010年第10期35-38,共4页Journal Of Financial Development Research

摘　　要：本文通过对日照中小企业环保征信案例的实证分析,印证了征信能够较好地解决"违法成本低,守法成本高"的问题,比行政执法具有更强的约束力,且付出的成本比较低;同时,征信与银行信贷具有兼容性,是恰当的制度安排,能够更好地促进中小企业环保治理。In this article,based on empirical analysis of SMEs in environmental credit case in Rizhao,the author proves that credit reporting can solve the dilemma of ＂illegal costs are low but compliance costs are high＂.Credit reporting has much stronger restraining force and lower cost than administrative law enforcement.Meanwhile,credit reporting is compatible with bank credit,and it is a fitting institutional arrangement which can also promote SMEs development.

关 键 词：中小企业 征信 行政执法 效能 

分 类 号：F830[经济管理—金融学]