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小微企业信用融资评价体系研究是基于当下小微企业融资难问题而提出的。纵观当前有关对小微企业融资难的研究,绝大部分都以如何构建新的融资渠道或者新的融资手段为研究方向。而,本研究从信用评级指标的构建出发,对当下的通用评级体系进行梳理,提出小微企业适用的修正性质的指标基于供应链的视角。通过指标的修正,使得小微企业在同等级下的信用条件得以放宽,进而较易获得相应资金。同时,我们梳理了有关供应链中价值生产的环节,最终以完善小微企业信用评级指标体系为目的,助力小微企业融资,破解融资难的问题。
Small and micro enterprise credit financing evaluation system is based on the current small and micro enterprise financing problems put forward. Looking at the current research on the financing of small and micro enterprises, the vast majority of how to build a new financing channels or new financing instruments for the study. However, starting from the construction of credit rating indicators, this study sorts out the current general rating system and proposes that the applicable indicators for the amendment of small and micro enterprises should be based on the supply chain perspective. Through the revision of the indicators, the credit conditions of small and micro enterprises under the same level are relaxed and the corresponding funds are easily obtained. At the same time, we have sorted out the links in the production of value in the supply chain, and finally aiming at improving the credit rating system for small and micro enterprises, helping small and micro-enterprises to raise funds and solve the problem of financing difficulties.