中小企业信用缺失的制度根源与治理对策

中小企业数量占居全国企业的绝大部分,其信用的缺失严重影响了自身的发展与市场诚信观念和制度建立。中小企业诚信的缺失既由于其本身产权不明、管理欠缺,也是由于外部法制、担保与征信服务建设缓慢和监督、惩罚、激励制度不健全造成的。克服中小企业的信用缺失要从上述企业内、外诸方面全方位地着手。

Institutional Sources and Solutions of Credit Lack among Medium-sized and Small Enterprises

The majority of enterprises in China are medium-sized and small ones. Their lack of credit not only affects the their own development, but also brings ill effects to cultivation of the sense of credit and the creation of credit system. The causes for lack of credit include unclear property right and bad management inside those enterprises themselves, slow construction of relative law and assurance systems and credit information services, and ill systems of supervision, punishment and reward. Thus, all related elements inside and outside must be considered in order to solve the credit problems of medium-sized and small enterprises.