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财务信用属于企业信用的范畴,是企业与利益相关者之间关于资金的提供与偿还以及投入与分配的信用关系。由于信息不对称以及契约的不完全性,市场中部分资源需要通过信用获取。因此,财务信用实质上是企业可以利用的一项无形资产,它能够增强企业对于资金的吸引力,增加企业的购买力,并能为企业带来经济收益。与国有企业相比,良好的财务信用对于民营企业具有更加重要的作用。民营企业通常规模较小,资金有限,缺乏国有企业同银行和政府的天然联系,融资渠道狭窄,难以获得发展所需资金。良好的财
Financial credit belongs to the category of corporate credit, and is the credit relationship between the enterprise and its stakeholders about the supply and repayment of funds and the input and distribution. Due to the asymmetric information and incomplete contract, some resources in the market need to be obtained by credit. Therefore, financial credit is essentially an intangible asset that an enterprise can utilize. It can enhance the attractiveness of the enterprise for capital, increase the purchasing power of the enterprise, and bring economic benefits to the enterprise. Compared with state-owned enterprises, good financial credit has a more important role for private enterprises. Private enterprises are usually small-scale and have limited funds. They lack the natural linkages between state-owned enterprises and banks and the government, and their financing channels are narrow and it is difficult to obtain the funds needed for their development. Good fortune