摘要
大数据征信作为传统征信的重要补充和创新,主要服务于小微企业,通过深度挖掘和分析小微企业的各类信息,有助于解决小微企业融资的信息与信用不对称问题。本文以江苏银行“e融”系列产品为例,深入分析大数据征信服务小微企业融资的产品运营、应用场景、业务流程和主要成效。“e融”系列产品通过“融创智库”大数据平台引入企业纳税、工商、电力、海关等多维度信用信息,把大数据征信与银行传统信用风险管理模式有机结合,赋能小微金融业务全流程,解决小微企业融资“缺征信”的痛点,同时有效防控了信贷风险。借鉴江苏银行运用大数据征信服务小微企业融资的经验做法,同时针对可能存在的不足,提出商业银行要进一步拓宽大数据采集维度,加强信用信息共享,创新信用融资服务和产品,充分利用银行内外部资源,探索构建数字征信“元宇宙”,更好地服务小微企业融资和实体经济高质量发展。
As an important supplement and innovation of traditional credit reporting, big data credit reporting mainly serves small and micro enterprises. Through in-depth mining and analysis of various information of small and micro enterprises, it helps to solve the problem of information and credit asymmetry in the financing of small and micro enterprises. Taking "e-financing" products of the Bank of Jiangsu as examples, this paper in-depth analyzes product operations, application scenarios, business processes and main achievements of big data credit reporting serving small and micro enterprises’ financing. The products of "e-financing" introduce enterprise tax, industry and commerce, electric power, the customs and other multidimensional credit information through the big data platform named "innovative integrated library". These products organically combine big data credit reporting with the traditional credit risk management model of banks, empower the whole process of small and micro financial business, solve the pain point of "lack of credit reporting" in financing of small and micro enterprises, and at the same time effectively prevent and control credit risks. This paper draws on the experience and practice of the Bank of Jiangsu in using big data credit reporting to serve small and micro enterprise financing, and at the same time, aiming at possible deficiencies, it is proposed that commercial banks should further expand the dimension of big data collection, strengthen credit information sharing, innovate credit financing services and products, make full use of the bank’s internal and external resources, explore the construction of a "metaverse" of digital credit reporting, and better serve the financing of small and micro enterprises and the high-quality development of the real economy.
作者
周雷
闫笑男
朱奕
胡若兰
伊娜
Zhou Lei;Yan Xiaonan;Zhu Yi;Hu Ruolan;Yi Na
出处
《西南金融》
北大核心
2022年第10期54-64,共11页
Southwest Finance
基金
江苏高校哲学社会科学研究项目“数字经济时代金融科技服务实体经济高质量发展研究”(2022SJYB1630)
东南大学SRTP项目“大数据技术在征信中的应用研究”(202214039)
苏州市职业大学校级科研项目“区块链赋能苏州小微企业融资研究”(SVU2021YY08)
苏州市职业大学教改项目“‘四位一体’金融科技高质量研究性课程教学模式构建与实践”(SZDJG-22029)。
关键词
大数据征信
小微企业融资
金融科技
小微金融
元宇宙
信息不对称
信贷风险
金融支持实体经济
big data credit reporting
small and micro enterprises’financing
financial technology
small and micro finance
metaverse
information asymmetry
credit risk
financial support for the real economy
