从小微企业融资看征信信息平台建设与创新——基于山东省部分地区小微企业的融资调查

发布时间：2018-07-08 16:24

本文选题：小微企业 + 融资信用　；参考：《山东大学学报(哲学社会科学版)》2014年06期

【摘要】：解决小微企业融资困境的关键在于打破信息不对称瓶颈,基于对山东省部分小微企业和银行的问卷调研,在系统分析山东省小微企业融资现实的基础上,指出山东省小微企业融资信用市场的现存问题,对小微企业守信-失信行为选择进行经济学理论分析,并对山东省小微企业征信信息平台建设与创新提出具体政策建议。通过积极推动中小微企业征信信息平台的制度建设与技术创新,实现小微企业、银行、政府等多方共赢,提高经济发展过程中的资源配给效率,优化区域金融生态环境,从根本上解决中小微企业融资困境难题,进而实现经济效益与社会效益的最大化。
[Abstract]:The key to solve the financing dilemma of small and micro enterprises is to break the information asymmetry bottleneck. Based on the questionnaire survey of some small and micro enterprises and banks in Shandong Province, the paper systematically analyzes the financing reality of small and micro enterprises in Shandong Province. This paper points out the existing problems in the financing credit market of small and micro enterprises in Shandong Province, analyzes the choice of credit keeping and discredit behavior of small and micro enterprises in economic theory, and puts forward some concrete policy suggestions on the construction and innovation of credit information platform for small and micro enterprises in Shandong Province. By actively promoting the system construction and technological innovation of the credit information platform for small and medium-sized enterprises, we can realize the win-win situation of small and micro enterprises, banks and governments, improve the efficiency of resource rationing in the process of economic development, and optimize the regional financial ecological environment. In order to realize the maximization of economic and social benefits, the financing dilemma of small and medium enterprises is solved.
【作者单位】：青岛大学经济学院;中国社会科学院;
【基金】：山东省社会科学规划项目(金融专项)“金融生态视角下中小企业融资信息平台建设与创新研究”(12CJRJ02) 山东省社科联2013“调研山东”项目(201328) 青岛大学国家级学生创新项目(10171406)
【分类号】：F276.3;F832.4

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