摘要
通过案例分析发现,征信系统能够减轻信息不对称状况,增加中小企业融资机会,并能对中小企业的信用行为形成有效的约束机制。然而,当前我国征信系统运用中还存在着征信管理相关制度缺失、征信系统数据不实、征信信息应用过程中存在风险隐患等问题。今后,应加快有关征信方面的立法工作,完善征信系统功能,加强信息风险控制,健全县域中小企业信用担保体系等,以完善我国征信系统建设,促进中小企业健康发展。
Through case analysis,it＇s found that credit information system can mitigate the information asymmetry,increase access to financing for SMEs,and can form an effective restraint mechanism for SME credit behavior.However,problems exist in the credit information application process in China at present,such as lack of related credit reference management systems,with non-authentic data in credit reference system,potential risks in credit information application,etc.In future,it＇s necessary to speed up the credit legislation,improve credit systemic function,enhance information risk control,consummate the SME credit guarantee system in the county level,in order to improve credit reference system construction in China and promote a healthy development of the SMEs in China.
出处
《征信》
北大核心
2010年第6期44-46,共3页
Credit Reference
关键词
征信系统
中小企业融资
影响
政策建议
credit reference system
SME financing
impact
policy recommendation
