中小企业信用缺失研究现状评述

Review on Credit Lack Research of the Small and Medium-Sized Enterprises

国外对中小企业信用缺失的研究较为成熟,而国内学者大多是在财政、金融政策和法律法规、行业管理、中小企业的经济活动等方面进行政策建议型研究。本文认为,我国中小企业中失信者与诚信者并存,银行或企业应加以区别对待;负债经营、资本市场优先、低成本扩张等理论导致中小企业信用行为扭曲,从而引起整个社会信用关系的恶化;要通过明晰产权关系,规范政府行为,制定连续稳定的政策来改善信用缺失问题;网络时代的到来加强了中小企业信用市场的透明度,为中小企业信用缺失问题的解决提供了载体等等。

The credit lack of small and medium-sized enterprise has become the outstanding problem that restricts the development of our national economy.In this paper the author defines the concept of small and medium-sized enterprises,credit lack rationally.Based on the definition,the author analyses the reason of this problem in our country.Then the author puts forward the viewpoint that the imperfection of credit system,the shortage of relevant laws and regulations or punish mechanism have resulted in the popularity of the credit lack behavior of small and medium-sized enterprises under the present economic system of our country.It is riper to study the credit lack of small and medium-sized enterprises,while it is mostly the research about policy suggestion from the institution,finance and law domestically.Therefore,this paper has proposed that our scholars should study and probe into four directions further in the future,in order to offer the theoretical regulatory guidance to the establishment of the credit system of small and medium-sized enterprise.