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小微企业融资难的一个重要原因是征信环节的成本高。郑州3+1诚信联盟在这方面做了有益的尝试,其集诚信制度建设、征信产品生产、小微企业综合服务于一体的一揽子服务模式,为解决小微企业融资难问题找到了突破口。以此为例,从不同角度探讨微型企业征信与融资难题的破解途径,有利于解决小微企业融资难问题。
An important reason for the difficulty in financing small and micro-sized enterprises is the high cost of credit collection. Zhengzhou 3 + 1 Credit Union made a useful attempt in this respect. The package service model, which integrates credit system construction, credit product manufacturing and small and micro enterprise integrated services, has found a breakthrough in solving the financing difficulty of small and micro enterprises. Taking this as an example, this paper explores ways to solve the problems of credit lending and financing for micro-enterprises from different perspectives and helps to solve the financing difficulty of small and micro-enterprises.