本文選題：小微企業(yè) + 融資信用　； 參考：《山東大學(xué)學(xué)報(bào)(哲學(xué)社會(huì)科學(xué)版)》2014年06期

【摘要】：解決小微企業(yè)融資困境的關(guān)鍵在于打破信息不對(duì)稱瓶頸,基于對(duì)山東省部分小微企業(yè)和銀行的問(wèn)卷調(diào)研,在系統(tǒng)分析山東省小微企業(yè)融資現(xiàn)實(shí)的基礎(chǔ)上,指出山東省小微企業(yè)融資信用市場(chǎng)的現(xiàn)存問(wèn)題,對(duì)小微企業(yè)守信-失信行為選擇進(jìn)行經(jīng)濟(jì)學(xué)理論分析,并對(duì)山東省小微企業(yè)征信信息平臺(tái)建設(shè)與創(chuàng)新提出具體政策建議。通過(guò)積極推動(dòng)中小微企業(yè)征信信息平臺(tái)的制度建設(shè)與技術(shù)創(chuàng)新,實(shí)現(xiàn)小微企業(yè)、銀行、政府等多方共贏,提高經(jīng)濟(jì)發(fā)展過(guò)程中的資源配給效率,優(yōu)化區(qū)域金融生態(tài)環(huán)境,從根本上解決中小微企業(yè)融資困境難題,進(jìn)而實(shí)現(xiàn)經(jīng)濟(jì)效益與社會(huì)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.
【作者單位】： 青島大學(xué)經(jīng)濟(jì)學(xué)院;中國(guó)社會(huì)科學(xué)院;
【基金】：山東省社會(huì)科學(xué)規(guī)劃項(xiàng)目(金融專項(xiàng))“金融生態(tài)視角下中小企業(yè)融資信息平臺(tái)建設(shè)與創(chuàng)新研究”(12CJRJ02) 山東省社科聯(lián)2013“調(diào)研山東”項(xiàng)目(201328) 青島大學(xué)國(guó)家級(jí)學(xué)生創(chuàng)新項(xiàng)目(10171406)
【分類號(hào)】：F276.3;F832.4

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本文編號(hào)：2108016