摘要
由于信用信息采集渠道少、数据质量无法保证,我国小微企业征信产品质量和产品供应能力一直处于较低水平,这在某种程度上成为破解小微企业融资难的主要障碍。在总结益佰利、邓百氏和艾可飞等征信机构小微企业信用信息数据采集内容的基础上,指出我国小微企业信用报告应涵盖的数据类型,并从四个方面探讨如何进一步拓宽小微企业信用信息数据采集。
Due to few channels to collect and certify credit information for SMEs （ small and micro - enterprises）, the quality and quantity of credit reporting product for SMEs are always in deficiency in China, which is an obstacle to ease the financing difficulties of SMEs. This paper analyzes the data items for such SMEs as Experian, Tuns ＆ Street and Equifax respectively, proposes the data categories that should be included in credit reports for micro busi- nesses, and probes into how to further broaden credit information collection as for micro enterprises from four as- pects.
出处
《征信》
北大核心
2013年第1期63-66,共4页
Credit Reference
关键词
小微企业
信用信息数据
采集渠道
small and micro enterprises
credit information data
channels to collect information
