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中小企业对我国经济社会快速发展具有重要推动作用,构建完备的中小企业信用管理体系,是保证中小企业持续健康发展的关健所在。制约我国中小企业发展的一个重要因素就是企业内部信用管理水平低,抗风险能力弱。而中小企业出现信用风险的主要原因在于其缺乏必要的信用风险管理机制,要提高中小企业内部信用风险管理水平,必须建立和完善中小企业信用管理机制。
SMEs play an important role in promoting the rapid economic and social development in our country. Constructing a complete SME credit management system is the key to ensuring the sustained and healthy development of SMEs. An important factor restricting the development of China’s small and medium-sized enterprises is the low level of internal credit management and weak anti-risk ability. The main reason for SMEs credit risk lies in its lack of necessary credit risk management mechanism. To improve the SME internal credit risk management level, it is necessary to establish and improve the SME credit management mechanism.