河南省中小企业信用管理状况探析

中小企业信用管理体制的完善与健全已经成为增加河南省中小企业收入、推动地区经济发展的重要动力之一。本文通过对该地区中小企业信用状况的调查,从企业赊销基本情况、信用管理情况、信用服务需求3个方面阐述了调查结果;从企业坏账率普遍偏高等5个方面查找了存在的问题。针对上述问题从市场经济体制不完善、政府行为不规范等宏观管理角度,以及信用制度不健全、信息不对称等微观层面分析了问题存在的原因,并就这些原因从宏观和微观两个方面分别提出了完善市场经济体制、规范政府行为、健全信用制度、力求信息对称等具体应对策略。

Improving the credit management system of small and medium - sized enterprises （SMEs） has become one of important im- petuses of increasing the incomes of SMEs and spurring the regional economic growth in Henan Province. Based on the re- searches of the credit situation of local SMEs, this paper presents the findings from three aspects as the basic situation of credit sale, credit management and credit service demands, and analyzes the possible five problems such as rather huge bad debts in SMEs. To solve the problems, the study analyzes the reasons from the macro- management perspective such as incomplete market economic system and irregular governmental behavior, as well as from the micro aspects like improper credit system and information asymmetry. Accordingly, the paper suggests the coping strategies from the macro and micro levels such as improving the market economy system, standardizing the government behavior, optimizing the credit system and seeking the information symmetry.