中国小微企业征信体系完善研究

发布时间：2018-01-03 04:20

本文关键词：中国小微企业征信体系完善研究　出处：《东北师范大学》2013年硕士论文　论文类型：学位论文

【摘要】：为解决我国小微企业融资问题，，加快小微企业征信体系建设步伐，本文运用管理学、金融学和经济学的基本原理，阐述了小微企业征信体系建设依据的信息不对称理论和交易费用理论，以及企业征信体系的基本框架；从社会信用体系和小微企业融资两个角度说明了建立小微企业征信体系的必要性；依据征信机构的发展程度将小微企业征信体系发展分为起步、发展以及建成三个阶段；揭示了我国小微企业征信体系在建设过程中存在的信用法律制度不健全、征信机构建设不足、信用信息数据分散等主要问题；在分析国外发达国家征信体系的基础上，总结了完善的小微企业征信法律法规制度、高效的市场化运作、专业化的小微企业征信机构、全面的小微企业信用数据库四个方面的先进经验；提出了推进征信立法、加快征信机构发展、强化服务体系、单设小微企业征信数据库四条建议。
[Abstract]:In order to solve the financing problem of small and micro enterprises in China and speed up the construction of credit system of small and micro enterprises, this paper applies the basic principles of management, finance and economics. The information asymmetry theory and transaction cost theory, and the basic framework of the enterprise credit system are expounded. The necessity of establishing the credit system of small and micro enterprises is explained from the two angles of social credit system and financing of small and micro enterprises. According to the development level of credit agencies, the credit system of small and micro enterprises can be divided into three stages: starting, developing and completing. The main problems in the construction of the credit system of small and micro enterprises in China are revealed, such as the imperfect credit legal system, the insufficient construction of credit agencies, the dispersion of credit information data, and so on. On the basis of analyzing the credit system of foreign developed countries, this paper summarizes the perfect small and micro enterprise credit investigation laws and regulations system, efficient market-oriented operation, and specialized small and micro enterprise credit investigation organization. Advanced experience in four aspects of comprehensive credit database for small and micro enterprises; Four suggestions are put forward to promote credit investigation legislation, accelerate the development of credit agencies, strengthen the service system, and set up a credit database for small and micro enterprises.
【学位授予单位】：东北师范大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.4;F276.3

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