| 征信体系对中小企业融资的影响分析 |
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| 引用本文： | 龚柏新.征信体系对中小企业融资的影响分析[J].上海金融,2008(8). |
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| 作者姓名： | 龚柏新 |
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| 作者单位： | 中国人民银行慈溪市支行,浙江慈溪315300 |
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| 基金项目： | 国家自然科学基金，上海市科委上海研发公共服务平台建设专项课题 |
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| 摘 要： | 本文研究银行信贷管理中对中小企业信用信息的需求,重点是基层银行了解中小企业最可依赖的信息来源和信息类型等方面;分析征信系统在降低银企交易成本、增加中小企业融资机会和形成信用约束机制中的影响;就进一步完善征信系统,促进中小企业融资提出政策建议.
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| 关 键 词： | 社会信用 征信体系 融资机会 交易成本 |
The Impact of Credit Reporting System on Financing of SMEs |
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| Gong Boxin.The Impact of Credit Reporting System on Financing of SMEs[J].Shanghai Finance,2008(8). |
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| Authors: | Gong Boxin |
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| Abstract: | Banks are responsible to increase credit input to small and medium sized enterprises(SMEs). However, information asymmetry between banks and enterprises leads to adverse selection and moral hazard. This article focuses on the demand of banks for the credit profile of SMEs, the impact of credit reporting system on financing of SMEs, and the suggestions on perfecting credit reporting system and boosting financing of SMEs. |
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| Keywords: | Social Credit Credit Reporting System Financing Opportunity Transaction Cost |
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