大数据背景下的小微企业银行融资信息平台构建研究  

Research on the Construction of Bank Financing Information Platform for Small and Micro Enterprises under the Background of Big Data

作　　者：王萍[1] 潘罡[1] 李文峰[1] WANG Ping;PAN Gang;LI Wen {eng(Qingdao Vocational and Technical College of Hotel Management,Qingdao 266000,China)

机构地区：[1]青岛酒店管理职业技术学院,青岛266000

出　　处：《青岛大学学报（自然科学版）》2018年第3期111-115,共5页Journal of Qingdao University(Natural Science Edition)

基　　金：2016年度青岛市社会科学规划项目(批准号:QDSKL1601208)资助;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

摘　　要：造成小微企业银行融资难的一个重要原因是银企间的信息不对称。由政府牵头,"政银企"三方联动,构建小微企业银行融资信息平台,在符合成本效益原则的前提下,将不同来源的企业信息进行整合,降低银企间信息不对称程度。详细构建了平台的具体运行机制,平台应当由政府设立的非盈利性质的数据运营服务公司进行运营,由银行业协会等推选公司监事以监管公司的运行;数据运营服务公司定期对平台中借贷双方信用、服务等进行评价,优胜劣汰;政府须制定平台配套法律制度以保障平台持续平稳运行。Existing research points out that one important reason for the financing difficulty of small andmicro enterprise is the information asymmetry between the enterprise and the bank. Therefore, it can be led by the government, with the tripartite linkage of ＂government, bank and enterprise＂ to construct the bank financing information platfotto for the small and micro enterprise, which under the premise of being in accordance with cost benefit principle, could integrate different sources of enterprise information and re duce the degree of information asymmetry between the enterprise and the bank. The specific operation mechanism of the platform is constructed in this article in detail. It also points out the platform should be operated by non profit data service company set up by the government and supervised by company supervi sots elected by the banking association. The data service company should evaluate the credit of both lend ers and borrowers regularly as well as the service at the platform to facilitate the survival of the fittest; the government should formulate the correlative legal system to guarantee the sustained and steady operation of the platform.

关 键 词：大数据 小微企业 融资 信息不对称 平台构建 

分 类 号：F276.3[经济管理—企业管理]