中小企业信用评价体系运行模式研究

企业信用尤其是中小企业信用缺失已成为影响社会进步和经济发展的重要障碍:商业信用缺失导致经营环境和金融环境恶化;管理失信行为造成管理效率低下;质量失信行为引发假冒伪劣,浪费严重。信用评价体系建设的关键是要确定信用评价体系运行模式。我国应该构建政府、信用管理行业协会和市场化信用服务组织分工明确、各有侧重、相互协调的信用评价体系运行模式。政府应是信用秩序治理的政策制定者和监督管理者,同时要在现代公共管理理念的指导下,鼓励、支持社会性服务组织提供信用评价服务;市场化信用服务组织的作用是通过提供信用产品与服务来满足企业和社会组织的市场需求;信用管理协会的作用是进行行业自律,引导行业开展有序经营,合理健康地发展。

Study on Credit Evaluation System in Small and Medium-sized Enterprises

The lack of credit,especially the credit of small and medium-sized enterprises,has become an obstacle of social progress and economic development.The lack of business credit worsens the managing and financial environment,the lack of managing credit results in low managing efficiency and the lack of quality credit leads to fake commodities and wastes.The key to found a sound credit evaluation system is to create the mode of credit evaluation.For our country,a mode should be founded which integrates the government,the National Association of Credit Management,and social credit service organizations.These three should collaborate with each other and take their own charge respectively.