基于融资视角的我国中小企业的信用信息共享机制初探

当前在货币政策从紧的条件下，中小企业融资越来越艰难，一个重要的原因是银行等金融机构无法取得中小企业全面而有效的信用信息。因而，要想缓解中小企业融资难的问题，一个不可忽视的方面就是建立一个能方便银行部门查询、调阅从而评价中小企业信用状况的中小企业的信用信息的共享机制。

Preliminary Discussion Based on Financial Perspective on Sharing Mechanism of Credit Information of Small and Medium-sized Enterprises in China

Under the current condition of the tight monetary policy,it is becoming more and more difficult for small and medium-sized enterprises to get fund.An important reason is that banks and other financial institutions cannot obtain comprehensive and effective credit information of small and medium-sized enterprises.Therefore,to alleviate the problems of hard fund raising for small and medium-sized enterprises,an important aspect is to establish a sharing mechanism of credit information of small and medium-sized enterprises by that bands and other financial institutions can easily query,read and evaluate credit status of small and medium-sized enterprises.