Research On The Influence Of Credit Element And Credit Environment On The Credit Empowerment Of Small Medium Micro Sized Enterprise

The credit ability of small and medium-sized enterprises is affected by many factors.In addition to their own factors,they are also affected by credit environment factors.How to apply credit factors and credit environment to small and medium-sized enterprises and increase the credit capacity of small and medium-sized enterprises is a theoretical issue.Another practical issue.In recent years,China has entered a new era of the digital economy and the sharing economy.The development of information technology and big data-related technologies has led to the rise of the concept of empowerment.Credit information elements have also shown a trend of diversification.However,China's current credit service system is still dominated by traditional credit reporting.This weathervane has kept small and medium-sized enterprises in a weak credit position and poor credit availability.This study starts with the elements of credit information and explores the main non-traditional credit elements in addition to the traditional credit information elements,which can reflect the credit ability of small and medium-sized enterprises more scientifically and comprehensively,and can affect the credit empowerment of small and medium-sized enterprises.Consider the role of the objective factor of the credit environment.Based on the data obtained from the questionnaire survey of small and medium-sized enterprises in Zhejiang Province,the traditional credit information elements represented by business performance and market power of enterprises still have a strong influence on the credit empowerment of small and medium-sized enterprises.At the same time,the three non-traditional credit factors of enterprise innovation ability,corporate reputation and entrepreneurial traits have different strengths on the credit empowerment of small and medium-sized enterprises.Moreover,in this process of influence,the regulation of the credit environment is not very obvious.This research mainly enriches the C element theory and the F element theory,and provides new ideas and opinions for the credit empowerment of small and mediumsized enterprises,thus providing suggestions for the construction of the entire credit information system.