中小企业信用风险及预防策略

Credit Risk for SME and Prevention Strategies

企业信用缺失、信用传导机制不畅已经成为当前整个社会经济发展过程中的突出问题,特别是成为制约中小企业成长的瓶颈问题。从中小企业信用与企业成长的作用机制入手,探讨中小企业信用风险的特征及其产生的原因,认为近期应通过法律或行政手段,增加企业的退出成本,约束企业失信行为,形成社会监督惩罚体制,用法律形式体现诚信;长期则要从制度建设人手,建立健全中小企业信用信息系统,让诚信成为行为习惯,这是解决中小企业信用风险问题的根本所在。

Lack of corporate credit and poor credit transmission mechanism have become prominent problems in the current socio-economic development process, in particular, a bottleneck restricting the growth of SMEs. Commencing from the function mechanism for SME credit and business growth, the paper explores the characteristics and causes for the credit risk of SMEs, holding that itg necessary to increase the exit costs of businesses through the le- gal or administrative means, to subject corporate dishonesty to discipline so as to form a social supervision and pun- ishment regime illustrating integrity in legal forms; and that it＇ s necessary to establish a sound credit information system for SMEs starting from institutional building in the long run, so that integrity becomes a behavior habit on the side of firms, which is the key to the solution of SME credit risk.