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从交易费用视角入手,深入剖析信用服务体系构建对中小企业民间融资的内在作用机理,运用模糊综合评价法对信用服务如何提高民间融资效率进行定量评价。研究结果显示,信用服务体系的构建与发展能有效地节约中小企业民间融资的交易费用,对融资成本的降低、借贷资金利用率的提高、融资机制的进一步规范、清偿能力的提升以及融资衍生风险的有效控制具有积极作用。
From the perspective of transaction costs, this paper analyzes the intrinsic mechanism of credit service system construction on private financing for SMEs, and uses fuzzy comprehensive evaluation method to evaluate how credit service can improve the efficiency of private financing. The results show that the construction and development of credit service system can effectively reduce the transaction costs of private financing for SMEs, reduce the financing costs, improve the utilization rate of borrowing funds, further regulate the financing mechanism, enhance the solvency and raise the risk of financing Effective control has a positive effect.