財(cái)經(jīng)-中小企業(yè)信用問題的治理研究-展示頁
2025-05-26 16:09本頁面
【正文】 nessasary now. Famous scientists think that we can do it as follows: to run a mechanism, expand the financing channels of small and mediumsized enterprises, and standardize enterprise credit behavior. To ensure market benign development is still the top problem of small and medium enterprises. To needle the situation, we should learn from foreign advanced experience under the premise of solving these problems, and establish a reasonable standard of enterprise credit system actively. Key words: Research, Credit Problems,Small and Mediumsized Enterprises i 目 錄 1 我國中小企業(yè)信用問題的表現(xiàn) .......................................1 融資信用不足 ........................................................................................... 1 商業(yè)信用缺失 ........................................................................................... 2 生產(chǎn)信用缺失 ........................................................................................... 2 生產(chǎn)信用缺失 ........................................................................................... 3 2 中小企業(yè)信用問題產(chǎn)生的原因剖析 ....................................4 體制的影響 ............................................................................................... 4 中小企業(yè)產(chǎn)權(quán)基礎(chǔ)薄弱 ........................................................................... 4 信用法制保障措施沒有建立起來 ........................................................... 4 中小企業(yè)信用擔(dān)保體系發(fā)育不完全 ....................................................... 5 中小企業(yè)征信服務(wù)體系建設(shè)緩慢 ........................................................... 5 企業(yè)自身信用管理機(jī)制欠缺 ................................................................... 6 3 提升中小企業(yè)信用的對(duì)策建議 .......................................7 創(chuàng)造中小企業(yè)信用環(huán)境 ........................................................................... 7 搭建中小企業(yè)信用平臺(tái) ........................................................................... 7 建立健全中小企業(yè)信用監(jiān)督機(jī)制 ........................................................... 8 加大對(duì)中小企業(yè)失信懲罰力度 ............................................................... 9 參考文獻(xiàn) ...........................................................10 后 記 ...........................................................11 1 1 我國中小企業(yè)信用問題的表現(xiàn) 融資信用不足 據(jù)調(diào)查我國商業(yè)銀行向中小企業(yè)提供的信貸僅占到大中型企業(yè)的 ％左右，但在業(yè)務(wù)審批時(shí)，每筆業(yè)務(wù)的流程是完全相同的，這種現(xiàn)象的背后是嚴(yán)峻的融資信用問題。目前我國有些城市在開展中小企業(yè)信用體系建設(shè)試點(diǎn)工作，并取得了一定的成就，但是由于環(huán)境、條件等的約束，和發(fā)達(dá)國家相比我國中小企業(yè)信用體系的建設(shè)顯得相對(duì)滯后，現(xiàn)有信用運(yùn)行機(jī)制還存在諸多不健全之處，滿足不了經(jīng)濟(jì)發(fā)展的需要，而且中小企業(yè)信用管理上尚存的信用問題也很多，因而如何進(jìn)一步有效的構(gòu)建企業(yè)信用管理運(yùn)行 機(jī)制，擴(kuò)大中小企業(yè)融資渠道，規(guī)范企業(yè)信用行為
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