关于征信服务助企纾困的路径研究  

Research on the Path for Credit Investigation Service for Helping Enterprise to Bail out

作　　者：李冠琦 Li Guanqi(Hangzhou Central Sub-branch of the People’s Bank of China,Hangzhou 310000,Zhejiang,China)

机构地区：[1]中国人民银行杭州中心支行,浙江杭州310000

出　　处：《征信》2023年第3期56-60,共5页Credit Reference

摘　　要：面对服务经济高质量发展的必然要求,如何发挥征信的基础性作用,助力中小微企业主体发展,加大征信服务实体经济的能力和水平,是一项值得探讨的课题。通过理论结合实际的研究方法,从贷前、贷中、贷后三个关键环节,深入分析当前企业融资存在的困难和需求,认为可以从推进地方征信平台和征信链建设、发挥征信和评级市场作用、加强征信权益保护、优化征信查询服务等方面,探索出征信支持助企纾困的可行路径,并提出加强政策精准支持、提升征信和金融服务水平、完善市场主体经营环境的对策建议。In the face of the inevitable requirements in serving the high-quality development of economy,how to play the basic role of credit investigation in supporting the development of micro,small and medium-sized enterprises,and improve the ability and level of credit investigation to serve the real economy is a topic worth discussing.Through the research method of combining theory with practice,from the three key links of pre-loan,in-loan and post-loan,an in-depth analysis on the current difficulties and needs of enterprises in financing is made.It is believed that feasible paths can be explored to support and assist enterprises in credit investigation from the aspects of promoting the construction of local credit investigation platform and credit chain,giving full play to the role of credit investigation and rating market,strengthening the protection of credit investigation rights and interests,and optimizing credit investigation inquiry services.It also puts forward countermeasures and suggestions to strengthen targeted policy support,improve the level of credit investigation and financial services,and improve the operating environment of market entities.

关 键 词：征信 助企纾困 社会信用体系建设 融资服务 中小微企业 

分 类 号：F832.4[经济管理—金融学] D923[政治法律—民商法学]