征信建设缓解小微企业融资难问题的研究  

Research on Credit Information Construction to Alleviate the Financing Difficulties of Small and Micro Enterprises

作　　者：郭家宇 王长志[1] 李默 江海月 解彦鹏 GUO Jiayu;WANG Changzhi;LI Mo;JIANG Haiyue;XIE Yanpeng

机构地区：[1]中国人民银行农安县支行,吉林长春130200

出　　处：《吉林金融研究》2020年第11期69-72,78,共5页Journal of Jilin Financial Research

摘　　要：小微企业在激发创新动力、促进就业增长方面发挥着重要作用,是推动经济发展的重要源泉。近年来,我国小微企业信贷投放持续增长、贷款利率稳中有降、授信户数显著增加,但小微企业融资难的问题仍普遍存在,其根本原因在于银企信息不对称,这就有必要进一步完善征信建设,为有效解决信贷双方信息不对称的问题,疏通金融服务实体经济的渠道,为防范化解金融风险提供治本之策。Small and micro enterprises play an important role in stimulating innovation and promoting employment growth,and are an important source of economic development.In recent years,my country’s small and micro enterprises have continued to increase credit supply,loan interest rates have fallen steadily,the number of credit accounts has increased signifi cantly,and loan balances have decreased signifi cantly.However,the problem of financing diffi culties for small and micro enterprises is still widespread.The fundamental reason is that bank information is not available.Symmetry,it is necessary to further improve the construction of credit information,in order to effectively solve the problem of information asymmetry between the credit parties,unblock the channels for financial services to the real economy,and provide a fundamental solution to prevent and resolve financial risks.

关 键 词：征信建设 小微企业融资难 对策研究 

分 类 号：F830[经济管理—金融学]