摘要
针对中小微企业面临融资难的现状,从银企双方互选机制、“码”上融资模式和个性化金融产品三个维度阐释了嘉兴市金融信用信息共享平台纾解中小微企业融资困境的具体举措。通过构建4C评价模型,从中小微企业融资需求满足程度、融资成本、融资效率和企业沟通四个方面设计多维评价指标体系,分析平台的优势以及不足之处,从多个角度提出建议以进一步优化金融信用信息共享平台的融资对接功能,提升融资效率。
In view of the current financing difficulties faced by SMEs,we explain in this paper the specific measures taken by Jiaxing financial credit information sharing platform to alleviate the financing plight on the three dimensions of the mutual selection mechanism between banks and enterprises,the financing mode of loan code and personalized financial products.By constructing the 4C evaluation model,we design a multi-dimensional evaluation index system from the four aspects of the satisfaction of SMEs’financing needs,financing costs,financing efficiency and enterprise communication to analyze the advantages and disadvantages of the platform.We also put forward suggestions from multiple angles for further optimizing the financing docking function of this platform and improving financing efficiency.
作者
孙克
佘雨晴
Sun Ke;She Yuqing(School of Economics,Jiaxing University,Jiaxing,Zhejiang 314001)
出处
《嘉兴学院学报》
2022年第5期89-96,共8页
Journal of Jiaxing University
基金
浙江省软科学研究计划重点项目(2021C25024)
2021年度国家级大学生创新创业训练计划项目(202110354007)。
关键词
嘉兴市
金融信用信息共享平台
中小微企业
Jiaxing
financial credit information sharing platform
small and medium enterprises(SMEs)
