摘要
目前,我国中小企业存在数量多、信用管理不规范、抵押资产少、融资难等特点。应大力推广中小企业信用评分技术,利用该技术的优势,建立有中国特色的中小企业信用评分模型,解决中小企业融资困境,并且在利用信用评分技术中需要注意信用信息数据完整性和真实性、信用评分技术理论的学习和专业人才培养等问题。
At present,there are such problems in SMEs as,too many SMEs in China;no standardized credit management,less collateral assets,financing predicament,etc.It＇s necessary for China to accelerate using SME credit scoring techniques,to enhance and establish SME credit scoring models with Chinese characteristics so as to solve SME financing predicament.And also proposals are made for using credit scoring technology to note integrity and authenticity of the credit information data,the learning theory of credit scoring technology and professional personnel training and so forth.
出处
《征信》
北大核心
2010年第6期19-21,共3页
Credit Reference
基金
上海市信用管理重点学科资助项目(NXK1012)
上海市教委创新资助项目(11ZS189)
