内蒙古自治区信用评级与中小企业信贷可得性分析

Analysis on Credit Rating and SME Credit Availability in Inner Mongolia Autonomous Region

科学的外部评级能够提高中小企业的信用透明度,加快商业银行信贷审批进程,提高中小企业信贷的可得性。目前,内蒙古自治区信用评级发展滞后,难以促进中小企业获得信贷支持,其原因是:评级市场凋敝,中小企业参评意愿不足;评级指标和方法等信息披露程度低,评级机构公信力不足;配套制度不健全,评级机构行为不规范。为缓解中小企业融资难、融资贵,促进信用评级有效支持中小企业融资,建议找准市场突破口,拓宽中小企业信用评级的应用覆盖面;完善评级体系,提高评级机构公信力;健全法律法规,完善信用评级监管体系。

Scientific external rating can improve the credit transparency of small and medium-sized enterprise（ SME）,speed up the process of credit examination and credit approval for commercial banks,and increase SME credit availability. The credit rating for credit loan market in Inner Mongolia autonomous region is lagged behind,and it＇s difficult to promote SMEs to obtain credit support,the reasons for which are： rating market is depressed,and SMEs＇ intention to demand for rating is poor; information disclosure of rating indicators and methods is low,and rating agencies lack credibility; supplementing institutions are not sound,and the behavior of rating agencies is not normal,etc. To alleviate the financing difficulties and high cost of financing for SMEs,and promote the effective support for SME financing,the following proposals are presented： to seek market breakthrough for credit rating and broaden the application coverage of SME credit rating,to improve the rating system and raise the credibility of rating agencies,to complete laws and regulations so as to perfect the credit rating regulatory system.