推进西安市信用信息金融服务平台建设的思考

Thoughts on Promoting the Construction of Credit Information Financial Service Platform in Xi’an

中小微企业融资问题一直备受关注,信用信息匮乏及信息不对称是造成融资难、融资贵的关键所在。国务院印发《社会信用体系建设规划纲要(2014-2020年)》后,各级政府以信用信息平台建设为抓手,着力破解"信息孤岛",纾解中小微企业融资困境,并取得初步成效。为推进西安市信用信息金融服务平台建设,本文分析了目前西安市相关平台建设应用现状及存在问题,在借鉴苏州、台州模式成功经验的基础上,提出政策建议。

The financing of small,medium and micro enterprises has always been a concern.The lack of credit information and information asymmetry are the key factors that cause financing difficulties and expensive financing.After the State Council issued the(Planning Outline for the Construction of the Social Credit System(2014-2020)),governments at all levels took the construction of credit information platforms as their starting point to crack the"information islands"and alleviate the financing difficulties of small,medium and micro enterprises,and achieved initial results.In order to promote the construction of Xi’an credit information financial service platform,this article analyzes the current status and existing problems of related platform construction and application in Xi’an,and puts forward policy recommendations based on the successful experience of Suzhou and Taizhou models.