建立中小微企业信用体系是当前破解中小微企业融资难题、促进经济转型升级的重要举措。中小微企业信用体系要形成可持续的发展机制,必须与征信机构的培育相结合,走市场化发展道路。本文在分析目前相关法律、政策环境和“信用宁波”建设现状基础上,提出宁波市中小微企业信用体系建设的可行之策。 Establishing the credit system for small, medium and micro-sized enterprises is an important measure to solve the financing problems of small, medium and large-sized enterprises at present and promote economic restructuring and upgrading. Small and medium-sized micro-enterprise credit system to form a sustainable development mechanism must be combined with the cultivation of credit agencies, take the market-oriented development path. Based on the analysis of the current law, policy environment and the status quo of “credit Ningbo” construction, this paper puts forward feasible measures for building the credit system for small, medium and large enterprises in Ningbo.