财务与金融
財務與金融
재무여금융
2012年
2期
24-27
,共4页
中小企业%企业信用%信息共享%融资视角
中小企業%企業信用%信息共享%融資視角
중소기업%기업신용%신식공향%융자시각
Small and Medium-sized Enterprises%Enterprise Credit%Information Sharing%Financial Perspective
当前在货币政策从紧的条件下，中小企业融资越来越艰难，一个重要的原因是银行等金融机构无法取得中小企业全面而有效的信用信息。因而，要想缓解中小企业融资难的问题，一个不可忽视的方面就是建立一个能方便银行部门查询、调阅从而评价中小企业信用状况的中小企业的信用信息的共享机制。
噹前在貨幣政策從緊的條件下，中小企業融資越來越艱難，一箇重要的原因是銀行等金融機構無法取得中小企業全麵而有效的信用信息。因而，要想緩解中小企業融資難的問題，一箇不可忽視的方麵就是建立一箇能方便銀行部門查詢、調閱從而評價中小企業信用狀況的中小企業的信用信息的共享機製。
당전재화폐정책종긴적조건하，중소기업융자월래월간난，일개중요적원인시은행등금융궤구무법취득중소기업전면이유효적신용신식。인이，요상완해중소기업융자난적문제，일개불가홀시적방면취시건립일개능방편은행부문사순、조열종이평개중소기업신용상황적중소기업적신용신식적공향궤제。
Under the current condition of the tight monetary policy, it is becoming more and more difficult for small and medium-sized enterprises to get fund. An important reason is that banks and other financial institutions cannot obtain compre- hensive and effective credit information of small and medium-sized enterprises. Therefore, to alleviate the problems of hard fund raising for small and medium-sized enterprises, an important aspect is to establish a sharing mechanism of credit infor- mation of small and medium-sized enterprises by that bands and other financial institutions can easily query, read and evaluate credit status of small and medium-sized enterprises.
