我国中小企业信用体系建设研究

发布时间：2018-02-01 02:07

本文关键词： 中小企业信用体系信用评价信用担保　出处：《天津财经大学》2013年硕士论文　论文类型：学位论文

【摘要】：中小企业的生存与发展是一个关乎国计民生的话题。作为国民经济的基本组成部分,中小企业发挥着不可替代的重要作用：它们不仅是提高就业率、创造社会财富的重要力量,更是市场经济体制下改革和创新的重要依托,同时,它们在促进出口和提高地方财政收入等方面也提供了有力的支撑。尽管在我国市场经济体制的新生土壤中,中小企业迎来了前所未有的发展机遇,但是由于我国正处在经济结构调整和上层建筑改革时期,我国中小企业的发展受到了很大的限制。目前,我国中小企业面临的主要问题还是融资难问题,为了解决这一问题,必须进一步完善中小企业信用体系。中小企业信用体系的完善,一方面可以从外部为中小企业营造一个良好的融资环境,打通融资链条中的各个环节,从法律和制度上保证中小企业融资的顺利进行；另一方面,外部信用环境的改变可以促使中小企业加强自身信用管理,从而提高中小企业的履约能力,增强中小企业的履约意识,从源头上解决融资难问题。因此,亟需健全并完善我国中小企业信用体系。文章从我国中小企业在融资时面临困境这一现状出发,借鉴美国的中小企业信用体系建设框架,针对我国中小企业信用体系中存在的问题,从中小企业信用法规建设、中小企业征信建设、中小企业信用评价体系建设、中小企业信用担保机构建设等四个方面对完善我国中小企业信用体系建设给出了具有较强操作性的对策和方案。最后,文章也指出下一步应该研究的方向,即在完善中小企业信用体系的过程中,各个主体应该如何协作联动,才能达到预期的效果。
[Abstract]:The survival and development of small and medium-sized enterprises is a topic related to the national economy and people's livelihood. As a basic part of the national economy, small and medium-sized enterprises play an irreplaceable important role: they not only increase the employment rate. The important force of creating social wealth is the important support of reform and innovation under the market economy system, at the same time, they also provide strong support in the aspects of promoting export and raising local financial revenue. Although in the new soil of the market economy system of our country, the small and medium-sized enterprises welcome the unprecedented development opportunity, but because our country is in the economic structure adjustment and the superstructure reform period. The development of small and medium-sized enterprises in China has been greatly restricted. At present, the main problem faced by small and medium-sized enterprises in China is financing difficulties, in order to solve this problem. It is necessary to further improve the credit system of small and medium-sized enterprises. On the one hand, we can create a good financing environment for small and medium-sized enterprises from the outside, and open up every link in the financing chain. From the law and system to ensure the smooth financing of small and medium-sized enterprises; On the other hand, the change of external credit environment can promote small and medium-sized enterprises to strengthen their own credit management, so as to improve the ability of small and medium-sized enterprises to perform, enhance the awareness of small and medium-sized enterprises. Therefore, it is urgent to perfect and perfect the credit system of small and medium-sized enterprises in China. Based on the current situation that SMEs in our country are facing difficulties in financing, this paper draws lessons from the framework of the credit system of small and medium-sized enterprises in the United States, and aims at the problems existing in the credit system of small and medium-sized enterprises in China. From the small and medium-sized enterprise credit law construction, small and medium-sized enterprise credit investigation construction, small and medium-sized enterprise credit evaluation system construction. Four aspects, such as the construction of SME credit guarantee institution, have put forward some feasible countermeasures and schemes to improve the credit system construction of SMEs in China. Finally, the paper also points out the direction to be studied in the next step. That is, in the process of perfecting the credit system of small and medium-sized enterprises, how should the main body cooperate and interact in order to achieve the desired results.
【学位授予单位】：天津财经大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.4;F276.3

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