普惠金融助力中小企业信用共同体融资的法律保障  

Legal Guarantee of Inclusive Finance Helps Financing of SMES Credit Community

作　　者：杜永红 DU Yonghong(School of Law,Xi’an University of Finance and Economics,Xi’an 710100,China)

机构地区：[1]西安财经大学法学院,西安710100

出　　处：《科技和产业》2024年第22期114-120,共7页Science Technology and Industry

摘　　要：中小企业信用共同体融资在化解中小企业融资难题上取得了一定成效,加之普惠金融加强信息资源共享、促进融资效率的天性能够进一步化解融资风险。但其在缺乏相应法律保障情况下深层矛盾不断出现,严重制约着中小企业信用共同体融资的发展。需要完善普惠金融及中小企业政策法规体系,建立相关信用评级体系,健全共同体组织内部治理结构,确立多方协调的监管机制等手段保障中小企业信用共同体融资高质量发展。The credit community financing for SMES has achieved certain results in resolving the financing difficulties of SMES.In addition,the inherent nature of inclusive finance to strengthen information resource sharing and promote the efficiency of financing can further alleviate the financing risks.However,its deep-seated contradictions had continued to emerge in the absence of corresponding legal guarantees,seriously restricting the development of credit community financing for SMES.It is necessary to improve the inclusive finance and SMES policy and legal system,establish relevant credit rating systems,improve the internal governance structure of the community organization,and establish a multi-party coordinated supervision mechanism to ensure the high-quality development of credit community financing for SMES.

关 键 词：信用共同体 普惠金融 中小企业融资 

分 类 号：D922.29[政治法律—经济法学]