基于信用障碍视角突破我国小微企业信贷融资约束  

On Breaking Small and Micro Businesses Credit Financing Constraints from the Perspective of Credit Obstacles

作　　者：郑兴东[1] 刘晓凤[1] 

机构地区：[1]安徽商贸职业技术学院会计系,安徽芜湖241002

出　　处：《重庆三峡学院学报》2014年第6期63-66,78,共5页Journal of Chongqing Three Gorges University

基　　金：院级项目"基于互联网金融视阙下的小微企业融资模式研究"(2014KYRO7)阶段性成果

摘　　要：在我国经济体系中,小微企业起着举足轻重的作用,但是随着其迅速发展的同时,许多问题逐渐暴露。其中,融资问题成为阻碍小微企业进一步发展的最大障碍。因此,解决小微企业的融资问题迫在眉睫。文章从信用障碍视角对小微企业融资困境进行诠释,提出了适合当前小微企业发展的信用评价体系,使资金顺利流入小微企业,破冰小微企业融资约束,推动小微企业健康持续发展,为国民经济发展作出微薄贡献。In the economic system of our country, small and micro businesses play a decisive role. But with their rapid development, many problems rise gradually. Of them, the problem of financing has become the biggest obstacle to the further development of small and micro enterprises. It is imminent to solve this problem. This paper attempts to interpret the small micro enterprise financing difficulties from the perspective of credit obstacle and puts forward an evaluation system suitable for the current development of small and micro enterprises so that the financing problem can be solved smoothly and a sustainable development of small and micro enterprises ensured.

关 键 词：小微企业 信用障碍 信用评价体系 软信息 

分 类 号：F832.4[经济管理—金融学]