政府主导下民营企业信用体系建设的国际经验和策略

International Experience and Strategy for Credit System Construction of Private Enterprises by Government Dominance

健全的民营企业信用体系是衡量民营企业合约履行能力、竞争实力、资质信誉的综合指标,是民营企业生存与发展的重要无形资产。当前我国尚未构建较为完善的、符合市场经济发展要求的民营企业信用管理体系,影响了企业的经济活动。通过梳理美国、日本、德国信用体系建设的模式,认为应采取政府主导的民营企业信用体系建设模式,提出政府是民营企业信用法律法规的建立者和执法者,在民营企业信用体系建设中应起到协调和引导作用;政府要完善中小企业信用管理和信用环境,制定和执行诚信激励和失信惩戒机制;进一步加快信用数据库与信用数据服务市场建设,从而形成良好的民营企业信用文化,推动民营企业健康和可持续发展。

The sound credit system of private enterprises is a comprehensive index that can measure contract performance,competitive strength and credibility,thus it is an important intangible asset for the survival and development of private enterprises.At present,China has not built a relatively sound credit management system for private enterprises that meets the requirements of market economy development,which eventually affects the economic activities of enterprises.By combing through the credit system construction models of the United States,Japan,and Germany,it is proposed that our country should adopt the construction model of government-dominant private enterprise credit system.The government is the creator and law enforcement of credit laws and regulations in private enterprises,and should play a coordinating and guiding role in the construction of the credit system of private enterprises.The government should improve the credit management and credit environment of small and medium-sized enterprises,formulate and implement credit incentives and punishment mechanism for dishonesty,and further accelerate the construction of credit database and credit data service market,thereby forming an excellent credit culture of private enterprises and promoting the healthy and sustainable development of private enterprises.