征信体系建设支持营商环境优化的实践与思考——以浙江省为例

Practical Analysis on the Credit Reporting System Construction to Support the Optimization of Business Environment:A Case Study of Zhejiang Province

优化营商环境,补齐“获得信贷”短板是人民银行征信工作的重要目标之一。浙江省作为小微和民营企业大省,探索出了征信体系建设支持营商环境优化的路径:通过推动信用信息跨区域共享和应用,完善金融信用基础设施建设和服务,促进动产融资和登记措施便利化,发挥征信市场服务银企对接作用,营造良好营商信用氛围等举措,促进企业融资可得性增强、便利度和精准度上升。未来应持续夯实金融信用基础设施建设,加强金融惠企政策支持,进一步提升普惠金融服务能力。

Optimizing the business environment and complementing the short board of“access to credit”is one of the primary objectives of the credit reporting work of the People's Bank of China.As a large province for small and micro enterprises and private enterprises,Zhejiang has explored the path of credit reporting system construction to support the optimization of the business environment:by promoting the cross-regional sharing and application of credit information,improving the infrastructure construction and service of financial credit,promoting the facilitation of chattel financing and registration measures,giving full play to the role of credit market in serving the docking of banks and enterprises,creating a good business credit atmosphere,and enhancing the availability,convenience and accuracy of corporate financing.And this article also puts forward some optimization suggestions from the aspects of financial credit infrastructure,financial favored enterprise policy,inclusive financial service capability and so on.