苏州中小企业的信用评级现状与对策研究

Research on the Status Quo and Countermeasures of the Credit Rating of Suzhou Small and Medium-sized Enterprises

中小企业在我国经济生活中有着极其重要的地位,在缓解就业压力,确保社会稳定,促进国民经济繁荣、扩大需求和拉动民间投资、改善现有经济结构等方面发挥了巨大作用,但是中小企业由于信用问题经常受到融资难等诸多问题的困扰。本文分析中小企业信用评级的影响因素,并对苏州中小企业信用评级进行实证研究,提出相应对策。

Small and medium-sized enterprises have an extremely important position in my country’s economic life.They have played a huge role in alleviating employment pressure,ensuring social stability,promoting national economic prosperity,expanding demand and stimulating private investment,and improving the existing economic structure.Enterprises are often troubled by many problems such as financing difficulties due to credit problems.This paper analyzes the influencing factors of the credit rating of SMEs,conducts an empirical study on the credit rating of Suzhou SMEs,and proposes corresponding countermeasures.