信用公示与中小企业信用缺失问题研究

Credit Publicity and the Lack of Credit in Small and Medium-sized Enterprises

信用缺失是我国广大中小企业健康发展的重大阻因之一,也是制约经济社会改革、发展顺利推进的重要"瓶颈"。文章认为,信用信息难公开、传播渠道不通畅所导致的失信成本过低是中小企业信用行为失范的最深层原因。文章最后提出,设立中小企业信用档案、健全中小企业信用度测评体系、建立企业投资者和经营管理者的信用信息库、畅通信用公示渠道以及加强信用公示立法是构建中小企业信用公示体系、促进中小企业诚实守信的基本路径。

Lack of credit is not only one of impediments to hinder the healthy development of small and medium-sized enterprises in China, but also the bottleneck to restrict our social and economical reform and development. The difficulties in publishing and spreading credit information, which make the cost for credit lack too low, are the deepest reasons for dishonesty choices in small and medium-sized enterprises. The basic approaches to construct the system of credit publicity and promote small and medium-sized enterprises to be honest rely on the establishment of credit records for small and medium-sized enterprises, the perfection on the system of credit evaluation for small and medium-sized enterprises, the construction of credit data bases for investors and managers, the unblocked path to credit publicity and the perfect legislation for credit publicity.