我国小企业信用评分的实践及建议

小企业信用评分技术在美国、欧洲及亚洲等国家的商业银行得到普遍应用，而我国银行对这项技术还处于探索和初步的实践阶段。由于我国信用体系不完善，大部分银行缺乏自主研发能力和经验，建议由专门的公司建立小企业信用评分系统，完善中小企业信用体系，改变银行小企业信贷组织和流程，充分使用小企业信用评分系统，从而促进该项技术的成功运用，有效解决小企业融资难问题。

Practices for Small-scaled Enterprise Credit Scoring in China and Recommendations

The technology for small - sealed enterprise credit scoring has been universally used in the commercial banks in the United States, Europe and Asia, etc. while this technology is still in the initial phase of exploration and practice in China＇s banking industry. Owing to the imperfect credit system in China and a lack of independent R ＆ D capabilities and experience for most banks, it is recommended that small - scaled enterprise credit scoring sys- tem is to be established by a special -purpose company to improve the small -sealed credit system, and to change the banking SME credit organizations and procedures, taking full advantage of the small - sealed credit scoring sys- tem, thereby contributing to the successful application of this technology to address effectively the difficulties for SME financing.