银企格局下小微企业信用构建探讨

• 作 者: 鄢梦萱
• 机 构: 中国政法大学,
• 出 处: 经济法论丛
• 发表日期: 2013年02期
• 关键词: 小微企业 信用 法律制度

我国当前实践中对小微企业信用的补充路径主要有三:严格选择小微企业的担保物品、征集小微企业的信用和利用信用担保机构补充小微企业的信用。但是,这些补充路径存在如下问题:立法对小微企业担保物存在限制、征集小微企业信用的难度大,同时,小微企业信用担保机构的低盈利和高风险也对政府介入提出要求。对小微企业信用的法律构建,需要完善小微企业动产抵押制度、发挥政府在征信体系构建中的作用和完善中小企业信用担保制度。

There are three main complementary routes to the credit of small and micro enterprises in our current practice: strictly selecting the guarantee items of small and micro enterprises, soliciting the credit of small and micro enterprises and supplementing the credit of small and micro enterprises with credit guarantee institutions. However, these supplementary paths have the following problems: Legislation restricts the guarantee of small and micro enterprises, it is very difficult to solicit the credit of small and micro enterprises, and the low profit and high risk of the small and micro enterprise credit guarantee institutions also demand government intervention. The legal construction of credit for small and micro enterprises needs to perfect the movable property mortgage system for small and micro enterprises, bring into full play the role of the government in the construction of credit information system and improve the credit guarantee system for SMEs.