信用评价:中小企业融资瓶颈

Credit Evaluation: The Bottleneck of Small and Medium-sized Firms' Financing

在我国,中小企业融资难的问题长期以来制约着企业的发展。由于现阶段我国的中小企业主要还是通过银行贷款来获得发展资金,中小企业的担保贷款、抵押贷款以及银行对中小企业的惜贷行为,实质上都是因为银行对中小企业的信用评价不够深入造成的,中小企业的信用评价已经成为中小企业融资的瓶颈。结合我国中小企业实际,特别指出对我国中小企业信用评价时应该考虑的一些非常规因素,以使对其信用评价更加切合实际。

The problem of difficult financing has limited the development of small and mediumsized firms for quite a long time in China. Since these firms at present stage gain development fund primarily through bank loans, guaranteed loan, mortgage loan and bank＇s restrained loan behavior for these firms essentially resulted from bank＇s inadequate credit evaluation for these firms.Therefore, credit evaluation for small and medium-sized firms has become a bottleneck for financing. In the light of the realistic situation of these firms in China, some irregular factors should be taken into consideration when doing credit evaluation for these firms so as to make a more realistic credit evaluation.