解决中小企业融资难的一个新视角——中小企业信用评价指标体系的构建

A New Angle to Solve Difficulty in Financing of SMEs——Establishing Credit Evaluation Index System

近年来,我国中小企业取得了长足的发展,也遇到了各种各样的问题,其中以融资难最为突出,已引起了全社会的关注。中小企业融资难就难在"信用"上,构建专门针对中小企业的信用评价指标体系是解决融资难的有效途径之一。笔者在分析我国现行的企业信用评价指标体系不足的基础上,结合中小企业的特点,从财务、非财务两方面构建中小企业信用评价指标体系,帮助银行对中小企业信用情况进行客观公正的评价,以解决中小企业融资难的问题。

In recent years,small and medium enterprises(SMEs) in China have made a great development,but meet with all kinds of difficulties.Difficult financing is most prominent and it has attracted the attention of the whole society.The reason lies in credit of SMEs.To set up credit evaluation index system of SMEs is a key to solving the problem and we should do it from financial aspect and non-financial aspect according to features of SMEs so as to help banks have a fair and objective judge about credit of SMEs.