摘要
本文基于珠三角的调查,分析了中小微企业融资的困境,归纳了解决中小微金融服务中信息不对称问题的实践探索,提出了降低信息不对称的解决方案,即基于信息共享机制和大数据分析技术构建'互联网+金融生态系统',其思路是借助大数据分析技术,整合政府部门、人行征信中心、金融机构、阿里巴巴等电商平台的有关中小微企业(主)的各种信息和信用资源,构建中小微企业信用数据库,可有效降低金融机构开展中小微金融业务的成本,激发金融机构开展中小微企业贷款的动力,减少中小微企业的融资成本。研究设计了'互联网+金融生态系统'的架构和交易流程等。最后,分析了该解决方案的创新之处。
This paper analyzed the financing difficulties of SMEs based on the investigation of PRD,and summarized the solutions of information asymmetry in financial services for SMEs.A solution to reduce information asymmetry was designed,which is to build a'Internet+financial ecosystem'with Information Sharing and Big data.The solution integrates all information and credit of SMEs and its owners from the government,banks,CCRC and Alibaba etc.,then build Credit Database of SMEs with the support of Big Data technology.The solution can effectively reduce the cost of banking operations,and stimulate banks to develop Financial services for SMEs,and reduce loan costs for SMEs.This paper has designed the architecture and its flow of'Internet+financial ecosystem',and analyzed the innovation of the solution.
作者
吴建材
蔡镇声
WU Jian-cai;CAI Zhen-sheng(Guangdong Industry Polytechnic,510300,GuangZhou,Guangdong,China)
出处
《特区经济》
2019年第6期150-153,共4页
Special Zone Economy
