發(fā)布時(shí)間：2018-01-03 04:20

  本文關(guān)鍵詞：中國(guó)小微企業(yè)征信體系完善研究　出處：《東北師范大學(xué)》2013年碩士論文　論文類型：學(xué)位論文

  更多相關(guān)文章： 小微企業(yè) 信息不對(duì)稱 征信體系 征信數(shù)據(jù)庫(kù)

【摘要】：為解決我國(guó)小微企業(yè)融資問(wèn)題，，加快小微企業(yè)征信體系建設(shè)步伐，本文運(yùn)用管理學(xué)、金融學(xué)和經(jīng)濟(jì)學(xué)的基本原理，闡述了小微企業(yè)征信體系建設(shè)依據(jù)的信息不對(duì)稱理論和交易費(fèi)用理論，以及企業(yè)征信體系的基本框架；從社會(huì)信用體系和小微企業(yè)融資兩個(gè)角度說(shuō)明了建立小微企業(yè)征信體系的必要性；依據(jù)征信機(jī)構(gòu)的發(fā)展程度將小微企業(yè)征信體系發(fā)展分為起步、發(fā)展以及建成三個(gè)階段；揭示了我國(guó)小微企業(yè)征信體系在建設(shè)過(guò)程中存在的信用法律制度不健全、征信機(jī)構(gòu)建設(shè)不足、信用信息數(shù)據(jù)分散等主要問(wèn)題；在分析國(guó)外發(fā)達(dá)國(guó)家征信體系的基礎(chǔ)上，總結(jié)了完善的小微企業(yè)征信法律法規(guī)制度、高效的市場(chǎng)化運(yùn)作、專業(yè)化的小微企業(yè)征信機(jī)構(gòu)、全面的小微企業(yè)信用數(shù)據(jù)庫(kù)四個(gè)方面的先進(jìn)經(jīng)驗(yàn)；提出了推進(jìn)征信立法、加快征信機(jī)構(gòu)發(fā)展、強(qiáng)化服務(wù)體系、單設(shè)小微企業(yè)征信數(shù)據(jù)庫(kù)四條建議。
[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.
【學(xué)位授予單位】：東北師范大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F832.4;F276.3

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