中小企业信用评级指标体系构建的对策分析  

Strategies for Establishing a Credit Rating Index System for SMEs

作　　者：邱静[1] 陈劲松[2] 

机构地区：[1]贵州财经大学会计学院 [2]贵州财经大学工商管理学院,贵州贵阳550004

出　　处：《商业经济》2014年第8期95-96,共2页Business & Economy

基　　金：贵州省软科学项目:欠发达地区中小企业差别化信用评级指标体系构建研究--以贵州省为例(2012GZ78959;黔科合体R字[2011]LKC2017号);贵州省软科学项目(2013GZ16615;黔科合体R字[2013]LKC2013号);贵州省教育厅高校人文社会科学项目(13SSD003)的阶段性成果

摘　　要：对企业的信用评级是银行对企业贷款的主要依据。长期以来,中小企业融资难,除企业自身原因外,银行采用与大型企业相同的评级方法对中小企业进行评价也严重制约了中小企业的融资能力。解决好中小企业融资难问题,既需要企业不断提升素质,更需要金融机构建立适用于中小企业的差别化的信用评级指标体系,以期能够对中小企业进行正确评价,消除银行对中小企业的信贷歧视,缓解中小企业的融资约束。构建并推进专门适用于中小企业的信用评级指标体系,应结合我国国情,建立完善的法规体系和对中小企业的融资担保体系;要引导企业关注社会责任;更要注重政府的行为涉入与资源配置有效性的关系。Credit rating is the banks＇ major basis to make enterprise loans. Except for their internal causes, SMEs have had financing difficulties for a long time as banks have been assessing them with the same rating system for large enterprises. To overcome the difficulties, financial institutions need to establish a differentiated credit rating index system tailored for SMEs, so as to evaluate SMEs effectively, eliminate bank discrimination for SME credit and loans, and ease the financing constraint to SMES. To set up and roll out a credit rating system for SMEs, the government shall complete the legal system and the guarantee system for SME financing, guide SMES to share social responsibility and pay attention to the impact of government intervention to resource allocation efficiency.

关 键 词：中小企业 信用评级 指标体系构建 对策分析 

分 类 号：F620[经济管理—产业经济]