中小企业信用问题治理研究论文.doc

PAGE PAGE 16 中小企业信用问题治理研究 摘　要 摘要：随着世界各国经济的发展，无论是发达国家还是发展中国家，中小企业的数量在企业总数中占有绝大部分的比重，为社会人才输出提供了大量的就业岗位，同时也创造了大量的国民财富，目前中小企业已成为我国经济增长中最具贡献性和发展潜力的一部分, 现如今，市场经济是契约经济，更是信用经济[1]。信用同资金、品牌、技术、管理、信息等一样，也是企业重要的生产要素，是企业资产的重要组成部分。在现代社会经济生活中，企业守信是市场经济基本的道德规范和经济伦理。这些企业的市场信誉尚未形成，作为企业信用基础的信用制度和信用管理体系的基础设施建设远远落后于发达国家，社会信用体系发育程度低，相关的法律法规和失信惩罚机制不健全，导致信用次序相当混乱，信用缺失。失信对中小企业的发展尤其不利，直接制约着中小企业的发展，必须重视我国中小企业信用缺失的理论与实证研究，建设我国中小企业的信用，以便于中小企业长期稳定发展。针对中小企业信用问题产生的原因和中小企业信用建设的实际情况,本文从中小企业信用问题产生原因、改善中小企业信用制度基础、完善中小企业信用管理体系和加强中小企业信用管理等方面治理中小企业信用问题。 关键词：中小企业 融资 信用制度 信用管理?MACROBUTTON NoMacro [Click and type abstract text here.] Abstract At present, the small and medium-sized enterprise has become a part of our economic growth in the most contribution and development potential，But our country small and medium-sized enterprise universal existence deficiency of credit or credit instability. Credit for the development of small and medium-sized enterprises especially adverse, it directly restricts the development of small and medium-sized enterprises, must pay attention to the theoretical and empirical research on the lack of credit for small and medium enterprises in China, the construction of Chinas SME credit, so that the small and medium-sized enterprise long-term stable development. The actual situation for the cause of the credit problems of the small and medium-sized enterprises and small and medium-sized enterprise credit construction, causes, this article from the credit problem of small and medium enterprises to improve the credit system basis, perfect credit management system and strengthen credit management, management of small and medium enterprises credit problems. Key Words: Small and medium sized enterprises ；Financing Credit system； Credit management  TOC \o 1-3 \f \h \z \u 目 录 HYPERLINK \l _Toc390775980 引 言 PAGEREF _Toc390775980 \h 5 HYPERLINK \l _Toc390775981 一、信用与中小企业在市场经济活动中的关系 PAGEREF _Toc390775981 \h 6 HYPERLINK \l _Toc390775982 （二）市场经济是信用经济 PAGEREF _Toc3907