摘要
大数据征信的发展为纾解银企信息不对称、服务小微企业融资提供了可行的新路。通过分析苏州小微企业数字征信实验区168家小微企业的问卷调查数据,发现小微企业融资需求强烈,而大数据征信符合小微企业以非标准化数据为主的信息特点和以信用贷款为主的融资方式。随着数字征信实验区建设的推进,大数据征信在提升小微金融服务质量、缩短融资等待时间等方面取得了显著成效。大数据征信对小微企业融资的作用机制主要表现在拓宽信用信息的来源和共享范围、嵌入小微金融流程创新信贷产品和模式、完善小微企业信用评估体系等方面。大数据征信作为新生事物,可以通过进一步完善相关法律法规、加强信息安全监管、推进金融科技融合创新,探索构建数字征信“元宇宙”等方式加以完善,以此实现全方位服务小微企业融资并推动实体经济高质量发展的目标。
The development of big data credit reporting provides a feasible new way to alleviate information asymmetry and serve the financing of Small and Micro Enterprises(SMEs).By analyzing the questionnaire survey data of 168 sample SMEs in digital credit pilot zone in Suzhou,it can be found that financing demand of SMEs is strong.Big data credit reporting conforms to the information characteristics of SMEs contained unstructured data and the financing method of credit loans.With the construction of digital credit pilot zone,big data credit reporting has achieved remarkable results in improving the quality of small and micro financial services and shortening the waiting time for SMEs’financing.The action mechanism of big data credit reporting serving SMEs’financing is mainly reflected in broadening the sources and sharing scope of credit information,embedding small and micro financial processes to innovate credit products and models,and improving the credit evaluation system for SMEs.As a new thing,big data credit reporting should further improve relevant laws and regulations,strengthen information security supervision,promote the integration and innovation of finance and technology,explore the construction of digital credit reporting“metaverse”in order to comprehensively serve the financing of SMEs and the high-quality development of the real economy.
作者
周雷
王雨婷
张鑫
白子涵
Zhou Lei;Wang Yuting;Zhang Xin;Bai Zihan(School of Business,Suzhou Vocational University,Suzhou 215104,China;School of Economics and Management,Southeast University,Nanjing 211189,China)
出处
《科技创业月刊》
2023年第7期108-113,共6页
Journal of Entrepreneurship in Science & Technology
基金
江苏高校哲学社会科学研究基金项目“数字经济时代金融科技服务实体经济高质量发展研究”(2022SJYB1630)
江苏省大学生创新创业训练计划项目“数字金融服务实体经济高质量发展研究”(202310286099Y)
苏州市职业大学校级研究性课程“数字金融创新服务实体经济高质量发展研究”(SZDYKC-230201)。
