互联网金融、小微企业融资与征信体系深化  

Internet Finance,Small & Micro-enterprise Financing and Credit Reference System Deepening

作　　者：刘芸[1] 朱瑞博[2] 

机构地区：[1]上海海事职业技术学院航运管理系,上海200120 [2]中国浦东干部学院教学研究部,上海201204

出　　处：《征信》2014年第2期31-35,共5页Credit Reference

基　　金：中国浦东干部学院长三角研究系列社会公开招标课题<金融服务创新与小微企业融资困境对策研究>(celap2012-YZD-GEN-03)

摘　　要：信息不对称是小微企业融资约束的关键。基于大数据应用的互联网金融正在凭借互联网开放平台的信息收集优势与数据挖掘能力,缓解小微企业的信息不对称,增强借贷的风险可控性,降低小微企业的征信成本和融资成本,实现金融资源的有效配置。互联网金融的快速发展,使得金融风险日益集聚。征信是保障互联网金融健康发展的重要前提。征信体系的健全与完善对促进互联网金融市场的健康发展具有关键作用。The information asymmetry is the key data application-based internet finance is taking factor for small ＆ micro-enterprise financing constraints. The large advantage of information collection and data mining capabilities of the Intemet open platform, alleviating the information asymmetry about small ＆ micro enterprises, enhancing the controllability of lending risks, reducing credit reference costs and financing costs for small ＆ micro enterprises, so as to achieve efficient allocation of financial resources. The rapid development of Intemet finance has made the growing concentration of financial risks. Credit reference is an important prerequisite to protect the healthy develop- ment of Intemet finance. Sound and complete credit reference systems are of critical significance for promoting the healthy development of the Internet finance.

关 键 词：信息不对称 小微企业融资 互联网金融 大数据 征信体系 

分 类 号：F832.4[经济管理—金融学]