论多维声誉为基础的民间中小企业信用互助担保体之建设

On Construction of Mutual Credit Guarantee Body of Small and Medium-sized Enterprises based on Multi-dimensional Reputation

信用互助担保体是中小企业信用担保体系的重要部分,它克服了第三方信用担保在实践中存在的不足,正成为解决中小企业、农村融资问题的有力手段。声誉是保证信用互助担保体系有效运行的关键所在。随着多维声誉约束在信用互助担保体的形成与发展及其作用机理理论的完善,必将指导实践者有效地构建信用互助担保体,并提升信用互助担保体系的运行效率。

Mutual credit guarantee body is an important part of credit guarantee system of small--and--medium --sized enterprises. And it also is a forceful measure of solving the financing problems of rural areas and small--and --medium--sized enterprises. Reputation is a key point to ensure the limited operation of mutual credit guarantee body.