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相关部门应尽快开发完善针对小微企业的征信体系,开展针对小微企业的信用评分服务,实现各数据平台的信息共享,提高金融交易双方信息获取的准确性、有效性,既支持金融创新,又有效控制风险。一直以来,小微企业“融资难、融资贵”的难题与小微企业对国民经济发展的重要贡献相比极不平衡。近年来,国家相继出台了一系列政策措施来扶持小微企业,尽管这一系列的政策使小微企业的融资环境得到一定改善,但由于小微企业本身规模小、稳定性差、担
Relevant departments should develop and improve the credit information system for small and micro enterprises as soon as possible and conduct credit scoring services for small and micro enterprises so as to realize the information sharing among various data platforms and improve the accuracy and effectiveness of obtaining information on both sides of financial transactions, , But also effectively control the risk. All along, the problems of small and micro enterprises in their “financing difficulties and high financing costs” are extremely uneven with the important contributions made by small and micro enterprises to the development of the national economy. In recent years, the state has successively promulgated a series of policies and measures to support small and micro enterprises. Although this series of policies have helped to improve the financing environment for small and micro enterprises, the small and micro enterprises themselves have small scale and poor stability.