Study on Credit Evaluation System in Small and Medium-sized Enterprises

The lack of credit,especially the credit of small and medium-sized enterprises,has become an obstacle of social progress and economic development.The lack of business credit worsens the managing and financial environment,the lack of managing credit results in low managing efficiency and the lack of quality credit leads to fake commodities and wastes.The key to found a sound credit evaluation system is to create the mode of credit evaluation.For our country,a mode should be founded which integrates the government,the National Association of Credit Management,and social credit service organizations.These three should collaborate with each other and take their own charge respectively.