解决中小企业融资困境的关键:健全中小企业征信体系  

Key to Solving the Financing Difficulties of SMEs:Building a Sound Credit System for SMEs

作　　者：武彦坤[1] 代晓雪[1] 

机构地区：[1]中国人民大学财政金融学院,北京100872

出　　处：《征信》2013年第5期35-38,共4页Credit Reference

基　　金：教育部人文社会科学重点研究项目(10JJD 790012)

摘　　要：解决中小企业融资困境必须建立健全中小企业征信制度。我国中小企业征信体系建设存在着政策法律缺失、信息资源分散、缺乏对应的金融监管层次、缺少有效的监管机制、缺乏征信报告的应用等问题。应健全中小企业征信服务体系,发展资信调查和信用评级等中介机构,创新金融服务,完善我国中小企业征信法律制度,增加中小企业征信报告应用渠道。Abstract： Establishing a sound credit information system is a must for solving the financing difficulties of SME＇ s. At present, SME credit system in China has such problems as lack of policy and law, dispersed information re- sources, lack of corresponding financial regulatory levels, lack of an effective monitoring mechanism, and lack of applications of credit reports. We should improve the system of SME credit information service, develop the interme- diary agencies such as credit investigation and credit rating agencies, innovate the financial services, improve the legal system of China~ SME credit information, and increase the application channels of SME credit information re- porting.

关 键 词：中小企业融资 征信体系 信用监管 信用信息服务 

分 类 号：F276.3[经济管理—企业管理] F832.4[经济管理—国民经济]