基于中小企业信任网络的信用信息机制建设

Construction of Credit Information Mechanism Based on SME Trust Network

在融资领域中,信用信息的传递就是信任的传递。在中小企业多重融资网络中,由于不同融资渠道信用信息的传输、获取、辨别、接受等处理方式有着很大的差别,加之企业自身的信息传递能力有限,信息传递效率对融资信息的完全程度和信息成本有重大影响。基于中小企业微观、中观和宏观融资信任网络及信用信息传递特征,建立并完善信用信息的披露机制、声誉机制、沟通机制和惩戒机制,对于构建基于信任网络的信用信息机制,解决信息不对称而导致的逆向选择或道德风险等融资瓶颈问题具有重要的现实意义。

In the field of financing,the transfer of credit information is the transfer of trust. In the multiple financing network of small and medium-sized enterprises（ SME）,because of great difference in treatment modes of credit information during transmission,acquisition,reorganization and acceptance from different financing channels,and limited enterprise information transfer ability,information transmission efficiency has a significant impact on the fullness of financing information and information costs. Based on the characteristics of SME financing trust network and credit information transfer on micro, meso and macro levels, the establishment of perfect credit information disclosure mechanism,reputation mechanism,communication mechanism and disciplinary mechanisms is of important practical significance for constructing the credit information system based on trust network and for solving such financing bottleneck problems resulted from information asymmetry as adverse selection,moral hazard,etc.