作　　者： (陈小林）;

机构地区： 中国人民银行兰州中心支行,甘肃兰州730000

出　　处： 《吉林金融研究》 2017年第8期29-33,共5页

摘　　要： 理论分析表明,信息共享程度越低,银行征信成本和小微企业违约概率越高,信贷可获得性越低。建立和完善征信体系,促进信息共享,能够有效缓解信息不对称,弱化信贷配给,提高小微企业信贷可获得性。目前,小微企业融资约束面临的信息制约包括信用体系建设缺乏顶层设计、信用信息采集共享难度大、信息记录失真和不完整、银行重担保轻信用等多个方面,要通过提升小微企业主的信用意识、创新小微企业征信服务产品、强化征信信息跨部门跨领域共享、建立科学合理的信用评价体系等措施促进缓解小微企业信贷融资约束。 The theoretical analysis shows that the lower the degree of information sharing, the higher the bank credit costs and the probability of default of small and micro enterprises, the lower the availability of credit. Establishing and improving credit reporting system and promoting information sharing can effectively alleviate information asymmetry, weaken credit rationing, and improve the availability of credit for small and micro enterprises. At present, facing Small and micro businesses fi nancing constraints restricting information including the construction of credit system, the lack of top-level design, credit information gathering and sharing aspects of diffi culty, information distortion and incomplete records, bank credit guarantee light weight, only by improving Small and micro businesses and the credit consciousness, innovation Small and micro businesses credit services, strengthen credit products cross sectoral interdisciplinary information sharing, establishing a scientifi c and reasonable credit evaluation system and other measures to promote ease the credit fi nancing constraints Small and micro businesses.

关 键 词： 小微企业 融资约束 征信障碍 缓解路径