The integrity and compliance operation of small and medium-sized business credit reporting companies can not only help business entities establish and maintain a good reputation and gain greater advantages in market competition, but also reduce legal risks and costs of business entities and avoid losses due to violations of laws and regulations, so as to achieve high-quality development.
The new credit infrastructure of small and medium-sized enterprises will adopt the “1+3+3+3″ construction mode. That is, it consists of one credit sharing platform, three main libraries, three major service systems, and three credit chains. The implementation of the new credit infrastructure needs to deepen the supply-side structural reform, stimulate market vitality and social creativity, rely on the national Xinyi loan platform, enable specialized and special small and medium-sized enterprises as a breakthrough, and take the diversified credit enhancement system as a guarantee, and promote the innovation collaboration of the government, the market and society.
(1) Relying on the national credit platform
The core mechanism of the enterprise credit platform is “the adjustment of information mechanism and credit mechanism”, which is the innovation and transcendence of the traditional economic credit mechanism with financial credit information as the core. Based on the credit information platform, it effectively overcomes the limitations and deficiencies of asset credit systems such as “loan for guarantee” and “asset for capital” under the traditional credit model. It is a systematic innovation of a set of financing mechanisms and a new sample of institutionalized credit mechanisms.
(2) Take specialized and innovative small and medium-sized enterprises as a breakthrough
Vibrant small and medium-sized enterprises and a diverse and differentiated economic ecology are the most important guarantees for China’s economic resilience.
(3) Take the multiple credit enhancement system as the guarantee
In the era of national credit, it is necessary to give play to the leading role of the government and the role of the main body of the market, actively promote the joint efforts of the government, the market and the society, and take multiple measures at the same time. That is, platform system credit, financial technology credit, credit tools mining, industrial chain credit, industry credit, integrity innovation and strong credit, to explore the construction of small and medium-sized enterprises diversified credit mechanism.
Post time: Nov-27-2023