中小企业融资与信息分享机制

Finance of SMEs and Information Sharing Mechanism

中小企业在较长时间内一直都是我国经济中最有活力的构成部分,已成为促进经济增长、增加就业机会、保持社会稳定和推动技术创新的重要力量,但是融资困难却一直制约着中小企业的发展。为解决中小企业的融资难问题,中国人民银行正在积极推进中小企业信用体系建设,但我国中小企业的信用信息分享机制还很不完善,中小企业的信用信息资源很难实现共享,没有改变中小企业融资难的现状。本文采用定性的分析方法,结合信息分享机制的有关理论,廓清信息分享机制的有效性前提和实现信息分享机制有效性的方法,借鉴国际信息分享机制的发展经验,在分析我国中小企业信息分享机制发展现状的基础上,提出了适应我国中小企业的企业信用模式,分析了该模式在我国现阶段的适用性,并提出了相应的政策建议。

Small and medium-sized enterprises(SMEs) are the most dynamic economy in China in a very long period of time.Due to its flexible system and diversiform business mode,it has become an important force to promote economic growth,increase employment opportunities,maintain social stability and promote technology innovation,but the financing difficulties of SMEs always restrict its development.To solve the problem of SMEs financing difficulties,both the people in theoretic and practical field have made great efforts to explore and put forward countermeasures.At present,the central banking is actively promoting the construction of SMEs credit system,but the credit information sharing mechanism is not perfect,and SMEs credit information sharing is not effective,which has done no differences to the status of SMEs financing problem.Based on qualitative analysis method,firstly,combine with the relevant theory of information sharing mechanism;clarify the prerequisite of information sharing mechanism and the method of how to realize the effectiveness of information sharing mechanism.Then learn experience from international information sharing mechanism,analyze the current development of SMEs in China,and promote an information sharing mechanism.Finally,analyses the applicability of the model,and proposes some corresponding policy Suggestions.