小微企业融资风险防范及信用体系建设研究——基于黑龙江和新疆两地调研的思考

Study on Financing Risk Prevention and Credit System Construction for Micro and Small Enterprises——Reflections Based on the Investigations Conducted in Heilongjiang and Xinjiang,China

调研发现,当前小微企业融资仍存在着贷款风险防控难度大、信贷风险补偿机制不健全、缺乏保护信息主体合法权益的专项法律法规、信息共享存在障碍等问题。建议进一步推动小微专项金融债、资产证券化等业务的发展,支持建立新型小微贷款担保体系,完善相关法规,组建小微企业征信体系,提升信用体系建设统筹化层级,加快培育征信服务市场等,以解决小微企业融资难问题,促进小微企业健康发展。

According to the investigations conducted enterprises （MSEs） is still faced with several in Heilongjiang and Xinjiang, the financing of micro and small problems： difficulties in loan risk prevention and control; incompleteness of the credit loan risk compensation mechanism; lack of special laws and regulations protecting the legitimate rights and interests of information subjects; barriers further promote the development of special financial bonds to information sharing, etc. It is recommended to for MSEs and asset securitization, support the construction of a new type of loan guarantee scheme for MSEs, revise relevant regulations, establish MSEs credit reporting system, enhance the level of overall planning in credit system construction, and accelerate the nurturing of credit reporting services market, so as to solve the financing difficulties for MSEs and promote their sound development.