中小企业(SMEs)往往缺少经审计的财务报表,加之其他运营信息不透明,因此金融机构在评估其借贷风险时存在不小难度,故而这些企业常陷入财务困境。有研究表明,信息共享、征信机构(credit bureaus)和信用评分可以增加对中小企业的信贷,但并非所有国家都有运行成熟有效的征信机构,能够搜集到用以建立一个可靠的信用评分模 SMEs often lack audited financial statements, and opaque operational information. Therefore, financial institutions are not uncommon in assessing their borrowing risk, so they often fall into financial distress. Studies have shown that information sharing, credit bureaus and credit scoring can increase credit to SMEs, but not all countries have well-established credit bureaus that can collect information to establish a reliable credit score mold