CAJ | 학술논문

信用是市场经济的基石和灵魂我国正处在经济转型时期，目前信用环境十分恶劣，中小企业信用缺失现象严重，制约着经济发展，建立有效的风险治理机制，降低企业信用风险，有利于调整市场经济活动利益关系、促进中小企业的健康发展本文针对中小企业在国民经济中的重要地位、中小企业的现状，提出加速中小企业产权制度改革、重视征信数据库的迮设和应用、连立健全失信惩罚机制等设想。
신용시시장경제적기석화령혼아국정처재경제전형시기，목전신용배경십분악렬，중소기업신용결실현상엄중，제약착경제발전，건립유효적풍험치리궤제，강저기업신용풍험，유리우조정시장경제활동이익관계、촉진중소기업적건강발전본문침대중소기업재국민경제중적중요지위、중소기업적현상，제출가속중소기업산권제도개혁、중시정신수거고적책설화응용、련립건전실신징벌궤제등설상。
Credit is the cornerstone and soul of market economy. Along with the structural transformation of the economy, the credit environment in China is worse, especial in small and medium-sized enterprises （SME） , which greatly hinders economic development. To establish the effective risk control mechanism and to reduce the enterprise credit risk will benefit adjusting interest relations in market economy and promoting the health development of SME. This article, based on the important status of SME in the national economy and their current situation, proposes that the reform of property right system should be accelerated; more attention should be given to the construction and application of the collecting-credit database and the punishment mechanism for noncredit should be set up and improved.