小微企业信用体系建设研究

信用体系建设是支持小微企业健康发展的有效方式.当前我国小微企业信用体系建设存在系统性缺乏、信息共享平台可持续性不强和辅导、评价、增信环节缺失等问题.在总结台州创建全国小微企业信用体系建设试验区实践基础上,借鉴台湾地区的经验,认为小微企业信用体系建设应坚持行政化推动原则、系统性创建原则、可持续运作原则和有效性路径原则,建立共享机制、辅导机制、评价机制、增信机制、培育机制和服务机制,并营造良好的信用环境.

Research on Small and Micro Enterprise Credit System Construction

Credit system construction is an effective way to support the healthy development of small and micro enterprises. The main problems in the construction of small and micro enterprise credit system are ： being no systemic ; lack of sustainability in the information-sharing-platform; absence of coaching, evaluation, rating upgraded, etc. On the basis of summarizing Taizhou practices of creating a pilot zone for national SME credit system construction and drawing on the experiences of Taiwan, in the construction of SME credit system, we should adhere to the principles of ＂administration-driving, systemic creating, sustainability-operation, and path effectiveness＂, establish sha- ring mechanism, coaching mechanism, evaluation mechanism, rating upgraded mechanism, fostering mechanism and service mechanism, and create a favorable credit environment.