国外小徼企业信息数据采集及其启示

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。

Data Collection in Credit Reporting for Small and Micro Enterprises Abroad and Its Implications

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.