摘要
随着我国改革开放的不断深入,数量众多的小微企业已成为促进经济发展不可忽视的力量。但是融资困难已经对小微企业的深入发展产生了极大地影响,而对小微企业而言,要想通过上市这一直接融资渠道获取资金难度很大,故小微企业更多的只能依赖向银行贷款这一间接的融资渠道取得资金。但小微企业由于信用等级低,抵押物不足等不利因素导致商业银行不愿给其贷款。构建小微企业信用评级体系,能够帮助小微企业进行风险监测,加强对这些企业的管理。
With the deepening of China＇s reform and opening up, numerous small and micro enterprises have become an unpredictable force to promote the development of the economy.But the financing difficulty has greatly influenced the further development of small and micro enterprises.For small and micro enterprises.It＇s difficult to finance by going public, so most of them can only rely on loan to the bank, the indirect financing channels, to get money.But due to the disadvantages of small and micro enterprises, such as low credit rating,lack of collateral and so on, commercial banks are reluctant to loan to them.So, the construction of credit rating system for small and micro enterprises can help the risk monitoring of small and micro enterprises and can enhance the management of these enterprises.
出处
《企业技术开发》
2014年第9期77-79,共3页
Technological Development of Enterprise
关键词
小微企业
信用评级
体系构建
small and micro businesses
credit rating
system construction
