Document Type



To solve the problem of "Credit Discrimination against SME", firstly the relevant literature concerning the approaches to the problem is reviewed and deficiencies are pointed out. Then the role of government and the mode of credit information sharing in foreign countries are analyzed, which can be valued as the practice basis of E-government services design. Finally, on the basis of policies and regulations and actual situation in China and theoretical analysis, the paper constructed the value of cross-organizational information sharing service value network and services model, and designed E-government service system in SME lending decisions and supervision, as a new perspective to solve the problem of the discrimination. This study provides a reference for developing countries that have a similar problem of "Credit Discrimination against SME" and same conditions of credit information.