搭建信用信息服务平台 破解小微企业融资难题

Solutions to the Financing Problems for Small and Micro Firms by Building a Platform for Credit Information Services

当前,小微企业融资渠道不畅、金融产品不足、银行与企业互信程度低等现状,严重制约了小微企业的发展。为进一步提高对小微企业的服务水平,中国人民银行弋阳县支行从诚信建设、信用培植、信息共享、信用担保和引导激励五方面着手,努力破解小微企业融资过程中面临的信息不对称、融资担保难和资金营销渠道不畅等难题。

At present, such situations as sluggish financing channels for small and micro firms, lack of financial products, and lower mutual trust relationship between banks and firms, have seriously hampered the development of small and micro firms. To further enhance the services for small and micro firms, commencing from building of in- tegrity, cultivation of credit, information sharing , credit guarantee and guidance with incentives, great efforts have been made by Yiyang County Sub - branch of the People＇ s Bank of China for solving the dilemma for small and micro firms regarding information asymmetry, difficulty in financing guarantees and unsmooth fund marketing channels, etc.