摘要
随着经济转型升级和供给侧结构性改革的深入推进,中小企业融资能力和财务可承受力下降,融资难问题日益凸现。各融资服务平台的涌现在解决中小企业融资难的问题上起到了举足轻重的作用。基于广东特色,立足中小企业融资发展过程存在的问题,研究中小企业融资现状,通过对典型融资平台进行分析,并结合人工智能、区块链等新兴科学技术,提出了构建大数据下中小企业价值评估体系及信用评价体系等融资平台创新建议。
With the deepening of economic transformation and upgrading and supply-side structural reform,the financing capacity and financial affordability of small and micro enterprises have declined,and the problem of difficult financing and expensive financing has become increasingly prominent.The emergence of various financing service platforms plays a decisive role in solving the financing difficulties of SMEs.Based on the characteristics of Guangdong,based on the problems existing in the financing of small and medium-sized enterprise development process,the research of small and medium-sized enterprise financing present situation,through the typical case analysis platform,and combining the emerging science and technology,such as artificial intelligence,block chain is proposed to build large data of small and medium-sized enterprise value evaluation system and credit evaluation.
作者
李细枚
邓玥
崔心怡
罗萱
黄琳
LI Xi-mei;DENG Yue;CUI Xin-yi;LUO Xuan;HUANG Lin(School of Business Administration,Guangdong University of Finance,Guangzhou 510520,China;Affiliated Experimental School of Zhuhai No. 1 Middle School,Zhuhai Guangdong 519110,China;School of Finance and Investment,Guangdong University of Finance,Guangzhou 510520,China)
出处
《科技和产业》
2021年第5期185-190,共6页
Science Technology and Industry
基金
广东省软科学研究计划项目(2019A101002080)
广东省科技计划重点项目(2017B030301010)。
关键词
大数据
区块链
中小企业
融资平台
big data
block chain
small and medium-sized enterprises
financing platform
