征信机构解决小微企业融资难问题的作用探析  

Study on the Role of Credit Reporting Agencies in Solving the Financing Difficulties of MSEs

作　　者：陈洪辉[1] Chen Honghui(Shanghai Head Office of the People’s Bank of China,Shanghai 200120,China)

机构地区：[1]中国人民银行上海总部金融服务二部,上海200120

出　　处：《征信》2018年第10期19-22,共4页Credit Reference

摘　　要：目前小微企业融资不平衡、不充分的问题依然存在。针对小微企业融资中的信息不对称和征信信息缺失问题,征信机构可以发挥重要作用。分析小微企业融资难的根源,研究征信机构在解决小微企业融资中的作用和模式,对继续发挥征信机构的作用提出明确的政策方向。The problem of imbalances and insufficiency of financing for MSEs still exists.Credit reporting agencies can play an important role in solving the problems of information asymmetry and lack of credit reporting information in MSEs’financing.This article analyzes the root of financing difficulties of MSEs,studies the role and model of credit reporting agencies in solving the financing difficulties facing MSEs,and puts forward definite policy directions for continuously exerting the role of credit reporting agencies.

关 键 词：征信机构 小微企业融资 信息不对称 金融服务 

分 类 号：F832.4[经济管理—金融学]