The Study on Credit Management Pattern in Young High-tech Enterprises in China



With the progress of China’s market economy, small and medium-sized high-tech enterprises have become a strong driver for China’s robust economic growth. However, difficulty in financing has become a major obstacle restricting the development of these enterprises. A fundamental solution to this problem is to improve the management of small and medium-sized high-tech enterprises’ credit. The present paper attempts to design a credit investigation system suited to China’s realities with reference to international theories and practices in this area.
Key words: small and medium-sized high-tech enterprises, the issue of credit, credit investigation
Résumé Avec le développement de l’économie de marché de la Chine, les petites et moyenne entreprises de hautes et nouvelles technologies sont devenues les forces vives de la croissance économique chinoise. Alors la difficulté de la réunion des fonds jettent obstable au développement de ces entreprises. La solution de ce problème consiste à perfectionner le système de la gestion de crédit dans ces entreprises. Sur la base des expériences avancées internationales sur les concepts et les méthodes de la gestion de crédit, cet essai tente de concevoir un système de la gestion de crédit à la chinoise.
Mots-clés: petites et moyenne entreprises de hautes et nouvelles technologies, problème de crédit, gestion de crédit
摘要 隨著中國市場經濟步伐的深入,中小高新技術企業現已成為中國經濟增長中最富有活力的一支生力軍。然而融資困難卻成為制約這些企業的發展的重要障礙。要解決中小高新技術企業融資難的問題歸根結底是要完善中小高新技術企業信用管理體系。本文在學習、借鑒國際先進的征信理念和方法的基礎上,設計建立起適合中國的征信管理系統。

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