西部大开发时期中小企业商业信用地区差异变化研究

Regional Differences in SME Business Credit in the Western Development Period

在西部大开发时期,虽然西部的社会经济面貌已发生很大变化,但该地区中小企业商业信用系统的不健全性,导致经济效率下降。文章就西部大开发时期中小企业商业信用的地区差异概述出发,分析了信用机构分布不均、发展不平衡、实力弱、规模小、信用意识淡薄、配套体系不完善等阻碍中小企业商业信用发展的问题,最后针对存在的问题提出了完善政策法规、整合信用机构、提高贷款积极性、优化配套体系、改善投资软环境和培养优秀商业信用人才等健全中小企业商业信用体系的措施。

Although great changes have taken place in the social and economic features in western China in the period of Western Development, the imperfect credit system of SME in this region led to a declining economic efficiency. Starting from the regional differences of SME credit in Western Development period, this paper analyzed the problems which hindered the development of SME credit such as the uneven distribution,uneven development, weak strengths, small scale, weak credit consciousness and imperfect matching system of credit institutions. It put forward measures of improving SME commercial credit system such as improving the policies and regulations, integrating credit institutions, boosting enthusiasm for loans, optimizing the matching system, improving investment environment and cultivating outstanding commercial credit talents.