發(fā)布時間：2018-02-01 02:07

  本文關(guān)鍵詞： 中小企業(yè) 信用體系 信用評價 信用擔(dān)保　出處：《天津財經(jīng)大學(xué)》2013年碩士論文　論文類型：學(xué)位論文

【摘要】：中小企業(yè)的生存與發(fā)展是一個關(guān)乎國計民生的話題。作為國民經(jīng)濟(jì)的基本組成部分,中小企業(yè)發(fā)揮著不可替代的重要作用：它們不僅是提高就業(yè)率、創(chuàng)造社會財富的重要力量,更是市場經(jīng)濟(jì)體制下改革和創(chuàng)新的重要依托,同時,它們在促進(jìn)出口和提高地方財政收入等方面也提供了有力的支撐。 盡管在我國市場經(jīng)濟(jì)體制的新生土壤中,中小企業(yè)迎來了前所未有的發(fā)展機(jī)遇,但是由于我國正處在經(jīng)濟(jì)結(jié)構(gòu)調(diào)整和上層建筑改革時期,我國中小企業(yè)的發(fā)展受到了很大的限制。目前,我國中小企業(yè)面臨的主要問題還是融資難問題,為了解決這一問題,必須進(jìn)一步完善中小企業(yè)信用體系。中小企業(yè)信用體系的完善,一方面可以從外部為中小企業(yè)營造一個良好的融資環(huán)境,打通融資鏈條中的各個環(huán)節(jié),從法律和制度上保證中小企業(yè)融資的順利進(jìn)行；另一方面,外部信用環(huán)境的改變可以促使中小企業(yè)加強(qiáng)自身信用管理,從而提高中小企業(yè)的履約能力,增強(qiáng)中小企業(yè)的履約意識,從源頭上解決融資難問題。因此,亟需健全并完善我國中小企業(yè)信用體系。 文章從我國中小企業(yè)在融資時面臨困境這一現(xiàn)狀出發(fā),借鑒美國的中小企業(yè)信用體系建設(shè)框架,針對我國中小企業(yè)信用體系中存在的問題,從中小企業(yè)信用法規(guī)建設(shè)、中小企業(yè)征信建設(shè)、中小企業(yè)信用評價體系建設(shè)、中小企業(yè)信用擔(dān)保機(jī)構(gòu)建設(shè)等四個方面對完善我國中小企業(yè)信用體系建設(shè)給出了具有較強(qiáng)操作性的對策和方案。最后,文章也指出下一步應(yīng)該研究的方向,即在完善中小企業(yè)信用體系的過程中,各個主體應(yīng)該如何協(xié)作聯(lián)動,才能達(dá)到預(yù)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.
【學(xué)位授予單位】：天津財經(jīng)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F832.4;F276.3

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本文編號：1480622