构建“一库两网一平台” 探索黑龙江省中小微企业信用体系建设新模式

Build “One Database Two Networks and One Platform”and Explore the New Model of Credit System Construction for Small & Medium-sized,Micro Enterprises in Heilongjiang Province

为解决中小微企业融资难、融资贵问题,中国人民银行哈尔滨中心支行以大庆中小微企业信用体系建设试验区为突破口,构建了"一库两网一平台"中小微企业信用体系建设框架和运行模式,有效缓解了银企双方信息不对称问题,弥补了传统银企对接活动的时间和空间限制,提高了中小微企业融资效率。同时,针对中小微企业信用体系建设中存在的问题,要求各市(地)借鉴大庆经验,找准切入点,利用地方政务信息平台建设的成果,建立信用信息征集与评价体系,强化评价结果应用,将中小微企业信用体系建设与各地方稳增长、促改革、惠民生与精准扶贫相结合。

For solving the problem of small and micro enterprises financing difficulties and too high financing cost,Harbin Central Sub-branch of the People’s Bank of China selects Daqing pilot zone for small ＆ medium-sized and micro enterprises credit system construction as a breakthrough to build ＂one database,two networks and one platform＂of small ＆ medium-sized and micro enterprises credit system construction framework and operation pattern,which has effectively alleviated the problem of asymmetric information between borrowers,made up for the time and space constraints between the traditional bank and docking activities,and improved the financing efficiency of small and micro enterprises. Meanwhile,in response to the existing problems for small ＆ medium-sized and micro enterprises credit system construction,requirements are made for municipalities（ regions） to take Daqing experience as reference,i. e. identifying the starting point,taking advantage of the achievements made during the construction of local government information platforms, establishing credit information collection and evaluation system,strengthening the application of evaluation results,and combining the construction of small ＆ medium-sized and micro enterprises credit system with the local steady growth,promoting reform and improving people’s livelihood,and alleviating poverty by taking targeted measures.