摘要
商业交易中的契约往往伴随着信息不对称问题,基于信息共享的声誉机制恰是消解信息不对称的有效手段。论证商业信用信息共享对于小微企业征信体系建设的必要性,在借鉴邓白氏公司成功经验基础上,建议通过征信市场,采集、共享小微企业的契约履行、声誉评价等商业信用信息,建立新型、有效的小微企业征信体系。
Contract in commercial trading is usually accompanied by asymmetric information. The reputation mechanism based on information sharing is an effective means of solving asymmetric information. By discussing the necessity of commercial credit information sharing for the construction of small micro enterprise credit reporting system and the successful experiences of Dun Bradstreet Co,Ltd,the paper proposed that we should acquire and share commercial credit information about contract fulfillment and reputation evaluation of small micro enterprises through the credit reference market,and establish an effective small micro enterprise credit reporting system.
出处
《征信》
2015年第1期49-53,共5页
Credit Reference
关键词
商业信用
信息共享
小微企业
征信
commercial credit
information sharing
small ＆ micro enterprises
credit reporting
