论我国中小企业融资的信用制度建设

现代经济是信用经济，信用是一切投融资活动的基础。众多学者的研究表明，中小企业信用缺失是造成企业融资困难的主要原因之一。基于此，首先从信息经济学理论角度对信用制度在中小企业融资中的作用作了具体分析；其次说明了中小企业融资难的现实状况，并从博弈理论和现实制度两个层面剖析了信用缺失是中小企业融资难的根源；最后探讨了加强中小企业融资信用制度建设的对策。

The Construction of the small and medium-sized Enterprises Credit System in our Country

The present economy is credit economy,and the credit is the basic to all investment and financing . But the research of many scholars demonstrates that the shortage of the small medium-sized enterprise credit is a main reason to cause their financing diffficuhy.Firstly, this article analyzes the effect of the credit system from the theory of the informational economy. Secondly, it illus- trates the present situation of finance, and analyzes that the shortage of the credit system is the main root of financing difficulty both in the game theory and the realitical system aspects. Finally, it discusses some measures to enhance the construction of the small and medium-sized enterprise credit system.