推进信用体系建设改善小微企业金融供给  

On Promoting the Construction of a Credit System and Improving FinancialSupply for Small & Micro-sized Enterprises

作　　者：杨秀红[1] Yang Xiuhong(Dalian City Central Sub-branch of the People’s Bank of China,Dalian 116001,Liaoning,China)

机构地区：[1]中国人民银行大连市中心支行,辽宁大连116001

出　　处：《征信》2020年第10期39-42,共4页Credit Reference

摘　　要：通过对当前我国小微企业信用体系建设成效、制约因素的分析,提出搭建全链条、多维度的信用信息管理框架;统筹完善信用信息公共基础设施建设;加快建立市场化的小微企业信用信息挖掘与评价机制;形成基于小微企业信用状况和发展前景的有效授信决策机制;构建多层次、差异化的有效金融供给生态系统。By analyzing the effectiveness and the constraints of the current small and micro-sized enterprises credit system construction in China,the paper puts forward measures for improving the financial supply of small and micro-sized enterprise.It’s necessary to set up a whole chain-based,multi-dimensional credit information management framework,establish a sound public infrastructure for credit information,speed up the establishment of a liberalized small and micro-sized enterprise credit information mining and evaluation mechanism,promote the formation of an effective credit decision-making mechanism based on small and micro-sized enterprise credit status and development prospect,and build a multi-level and differentiated effective financial supply ecosystem.

关 键 词：信用体系建设 小微企业 金融供给 融资 

分 类 号：F832.4[经济管理—金融学]