基于征信视角的中小企业融资研究

本文归纳分析了我国中小企业融资难的原因主要为中小企业内外部信息不对称,提出发展中小企业征信体系能有效缓解中小企业融资困境。提出完善我国中小企业征信体系建设路径：完善中小企业征信数据库、发展规范化的中小企业征信机构、强化中小企业征信行业监管、建立中小企业内部信用管理制度等。

The Study on Financing of Small and Medium-sized Enterprise Based on the Perspective of Credit Information

The paper summarizes and analyzes the reason that the difficulty of financing of China＇ s small and medium-sized enterprise is mainly internal and external information asymmetry of small and medium-sized enterprises, and points out that developing credit information system of small and medium-sized enterprises can effectively alleviate the problem. The paper proposes some measures such as perfecting the construction and data base of credit information of small and medium-sized enterprises, developing standardized credit information institutions of small and medium-sized enterprises, strengthening credit information industry regulations of small and medium-sized enterprises, and establishing internal credit management system of small and medium-sized enterprise etc.