发挥政府在中小企业信用数据库建立中的作用

信用是企业的生命,而企业信用的关键在于其信用识别系统。从文献上看,信用识别系统通常分为“个人”信用识别系统和“社会”信用识别系统,相比之下,“社会”信用识别系统更具有意义。如果要发挥中小企业“社会”信用识别系统的作用,那么中小企业“社会”信用数据库的建立就十分关键。据估计,政府掌握中小企业信用基本信息源的90%,因此,政府有责任组建中小企业信用数据库,并在条件成熟的情况下,进行商业化操作。

Role of Government in Credit Database Construction of Small and Medium-sized Enterprises

Credit is the life of enterprises,and the key of enterprise credit consists in the credit identification system.The relevant documents show that the credit identification system is divided into two types: the individual credit identification system and the social credit identification system.The latter is comparatively more meaningful.To give full play to the social credit identification system of small and medium-sized enterprises,the construction of credit database is critical.The government is estimated to possess 90 percent of credit information of small and medium-sized enterprises and therefore it is the responsibility of the government to build a credit database of small and medium-sized enterprises and put it into commercialized operation under mature conditions.