摘要
小微企业融资难的根本原因在于企业和金融机构之间存在信息不对称问题,解决这一问题的最重要途径是建立和完善小微企业征信体系。目前我国小微企业征信体系建设存在企业信用意识缺乏、征信法律体系不健全、征信监管体系不完善、企业信息分割严重、征信中介机构发展缓慢、征信报告应用范围较窄等问题。应尽快提高小微企业的信用意识、构筑小微企业征信共享平台、完善小微企业征信法律制度、积极发展民营征信服务机构、建立健全征信监管机制、拓宽小微企业征信报告的应用范围。
The fundamental causes of the financing difficulties of small and micro businesses is that the problem of asym- metric information between enterprises and financial institutions, the most important way to solve this problem is to establish and perfect the credit system of small and micro businesses. At present our country small and micro businesses the credit sys- tem construction problems, lack of enterprise credit consciousness, credit legal system is not perfect, credit supervision system is not perfect, credit information is seriously divided, development credit intermediaries slowly, such as the narrow scope of ap- plication of credit report. As soon as possible to improve the small and micro businesses credit awareness, build small and mi- cro businesses credit information sharing platform, improve the small and micro businesses credit legal system, the positive de- velopment of private credit services, establish a sound credit supervision mechanism, expand the small and micro businesses credit report application scope.
出处
《南京财经大学学报》
2013年第6期65-70,共6页
Journal of Nanjing University of Finance and Economics
基金
江苏省中小企业研究院招标课题"小微企业融资策略研究"(JSZXQY201203)
关键词
小微企业
征信体系
构建
完善
small and micro businesses
credit system
construction
perfection
