绥化市科技型中小企业信用评价研究

Research on Credit Evaluation of Small and Medium-sized Technological Enterprises in Suihua

在我国市场经济发展中,科技型中小型企业普遍面临着高风险、高投入等问题,这些问题会导致该类型中小企业的信用融资变得不容乐观。要想科学有效解决市场科技型中小型企业融资难的问题,当地政府必须加强与银行机构、企业单位的沟通联系,共同努力构建出科学完善的科技型中小型企业信用评价体系,以此来解决社会金融机构与企业之间的信息不对称问题,促使企业能够更加轻松获得融资贷款。本文将进一步对绥化市科技型中小企业信用评价展开分析与探讨。

In the development of China’s market economy,small and medium-sized enterprises(science and technology)are generally faced with high-risk and high-input issues.These problems will make the credit financing of this type of SMEs less optimistic.In order to solve the problem of financing difficult for small and medium-sized enterprises in the market,the local government must strengthen communication with banking institutions and enterprises,and work together to build a scientific and perfect credit evaluation system for small and medium-sized enterprises.The problem of information asymmetry between social financial institutions and enterprises has made it easier for companies to obtain financing loans.