摘要
从根本上而言,小微企业融资难问题源于信息不对称。正视小微企业征信体系建设的重要性,探讨我国信用体系建设的诸多约束,寻求征信体系建设的创新模式和解决对策,对于缓解小微企业和银行间的信息不对称,促进小微企业融资发展,从而促进经济金融稳定发展和经济增长具有重大的意义。
Basically,the difficulty for small and micro enterprise financing derives from information asymmetry. The small and micro enterprise credit reference system construction has become a hot issue of social concern. It is necessary to explore the constraints for China＇s credit reference system construction,to seek innovation modes and countermeasures for the construction,which has great significance for alleviating information asymmetry between banks and small enterprises,for promoting the development of small and micro enterprise financing,and for promoting steady economic financial development and economic growth.
出处
《征信》
2015年第1期43-48,共6页
Credit Reference
关键词
小微金融
信息不对称
征信体系
small ＆ micro enterprise
asymmetric information
credit reference system
financing
