中小企业信用缺失的危害及对策研究

本文认为,信用是一个企业生存和发展的基础,也是市场经济的基石和灵魂,然而由于我国市场经济体制不够完善,失信现象经常发生,而交易双方信息不对称、征信体系不健全、企业信用的法律约束和保障机制乏力、信用中介服务落后、地方保护主义和部分官员政绩意识不正确是引起中小企业信用缺失的主要原因。信用缺失会给企业带来巨大的负面效应,破坏企业生存与发展的软环境,使企业运行处于无序状态。为加强中小企业信用体系建设,应建立和完善中小企业信用评估体系、信用担保体系、内部信用管理制度和信用监管制度,规范发展企业信用中介服务机构,从法律上加大对失信企业的惩罚力度。

The Endanger and Countermeasure Research to the Lack of Credit of SMEs

The credit is the foundation of a business enterprise existence and development,is also the sill and the soul of market economy.However because our market economy system is not enough perfect,many business enterprises,especially in some medium and small-sized enterprises,fail in promise phenomenon usually take place.This text put forward some countermeasures of setting up and consummating the medium and small-sized enterprises credit manage system for above-mentioned instance.Including setting up and consummating the medium and small-sized enterprises credit evaluation system,assurance system,enterprise internal credit management system,credit control system;standardize and develop enterprise credit agency service organization;enlargement punishment strength to the enterprise which fails in promise from law.