摘要
小微企业对国民经济的发展起着举足轻重的作用。受银行与企业间信息不对称的影响,小微企业在银行融资方面仍然面临许多的困难。基于大数据发展的背景,有必要建立融资数据服务平台,减少信息不对称的影响,完善运行机制,以求有效克服小微企业融资的障碍。
Small and micro enterprises play a decisive role in the development of national economy.Influenced by information asymmetry between banks and enterprises,small and micro enterprises still face many difficulties in bank financing.Based on the background of big data development,it is necessary to establish a financing data service platform,reduce the impact of information asymmetry,improve the operation mechanism,in order to effectively overcome the financing obstacles of small and micro enterprises.
作者
潘罡
王萍
李文峰
PAN Gang;WANG Ping;LI Wen-feng(Business Management Department,Qingdao Hismile College,Qingdao,Shandong 266100,China)
出处
《青岛职业技术学院学报》
2019年第2期5-9,共5页
Journal of Qingdao Technical College
基金
2016年度青岛市社会科学规划研究项目(QDSKL1601208)
山东省高端会计人才(学术类)
青岛市会计领军人才(综合类)研究成果
关键词
小微企业
融资
平台构建
运行机制
small and micro enterprise
financing
platform construction
operation mechanism
