At present our country enterprise overall credit system is not perfect, some small and medium enterprises Do not speak credit, not to mention there will be good reputation, so naturally break" have also borrowed, then it is not difficult to use" a good circulation. At the same time, the small and medium-sized enterprise financial self binding is not strong, often change the loan use of funds, it lost its" twice" borrowing way.
3.0 The causes lack of credit
3.1 The cause of the enterprise system
Small and medium-sized enterprise often congenital deficiency, such as this ownership and management is inseparable from the start, so it is difficult to have good corporate governance structure. "Some small and medium-sized enterprise believe kinship, don't believe system, this kind of enterprise of the original capital accumulation often comes from friends and relatives, so, in many cases enterprise is" home world"
Therefore, in small and medium-sized enterprise management, the actual leaders a multitasked situation is very common, the governance structure is serious distortion. This type of enterprise in the early growth, because the decision-making, execution is very convenient, often can run very fast; But because in the management of no corresponding prevention and restriction mechanism, if the "chief executive" occur a serious mistakes, the consequence will be fatal. Secondly, many small and medium-sized enterprise believe in public relations, not abide by the program, from enterprise registered start keen "go way", make false capital injection, making false statements, as long as can fix "the fairy" can pull to business, think this will be profitable. Finally, the leadership superstition technology, and not value management, also is small and medium-sized enterprise financing or the source of the failure. This kind of enterprise leader itself almost is a technical experts, total feel oneself "even missile all make them out," and it is a small enterprise, failed to fully realize management especially governance structure on the importance of the enterprise
感谢你这么快就回答了,我的意思求高手把这些英文搞通顺
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