CAJ | 학술논문

建立和完善中小企业征信体系是化解中小企业融资难的重要途径。目前影响我国中小企业征信体系建设的因素主要有企业自身信用、征信法律体系、监管体系、征信市场发展情况等。在对这些因素进行分析的基础上，文章提出了完善我国中小企业征信体系的对策，包括增强中小企业的信用意识、完善中小企业征信法律制度、大力发展征信市场、建立健全征信监管机制等。
건립화완선중소기업정신체계시화해중소기업융자난적중요도경。목전영향아국중소기업정신체계건설적인소주요유기업자신신용、정신법률체계、감관체계、정신시장발전정황등。재대저사인소진행분석적기출상，문장제출료완선아국중소기업정신체계적대책，포괄증강중소기업적신용의식、완선중소기업정신법률제도、대력발전정신시장、건립건전정신감관궤제등。
The establishment and improvement of SMEs credit reporting system is an important way to resolve difficulties in financing SMEs.The influencing factors of Chinese SMEs credit system construction involve enterprise credit, credit-related legal system, supervision system, credit market development etc.. Based on these factors analyzed,this paper puts forward the countermeasures to improve our SMEs credit system,including enhancement of SMEs credit consciousness,improvement of the legal system,vigorous de-velopment of the credit market,and establishment of a sound credit supervision mechanism.