金融科技背景下银企信贷供求错配问题破解路径研究  

Research on Solution Path of Supply-Demand Mismatch of Bank-Enterprise Credit under Context of Fintech

作　　者：文学舟 柏露 Wen Xuezhou;Bai Lu

机构地区：[1]江南大学商学院,江苏无锡214122

出　　处：《企业经济》2024年第6期140-149,共10页Enterprise Economy

基　　金：国家社会科学基金一般项目“金融科技破解小微企业信贷供求错配困境的作用机制及实现路径研究”(项目编号:22BGL065)。

摘　　要：产业结构升级背景下,商业银行的信贷资源与企业发展需求能否高度匹配是检验金融服务质效的重要一环。本文梳理了金融科技及银企信贷供求错配的内涵与衡量方法,从成本驱动、信息披露驱动、风控驱动与普惠驱动四个方面阐述科技缓解信贷错配的内在机理,认为金融科技可从基建升级、信息壁垒消除与素养提升等具体路径实现银企信贷供求的匹配。未来我国商业银行应更多关注数字信贷下的系统性风险传播与用户信息安全防护、银行信贷与互联网金融的有机衔接、供需双方主体的主观能动性保障,通过科技与管理模式的创新,助力我国数字信贷业务健康有序发展。In the context of industrial structure upgrading,whether the credit resources of commercial banks can be highly matched with the development needs of enterprises is a crucial aspect in evaluating the effectiveness of financial services.This paper sorts out the connotation and measurement method of fintech and credit supply and demand mismatch between banks and enterprises,and expounds the internal mechanism of technology to alleviate credit mismatch from four aspects:cost drive,information disclosure drive,risk control drive and inclusive drive,and believes that fintech can realize the matching of credit supply and demand between banks and enterprises such as infrastructure upgrading,information barrier elimination and literacy improvement.In the future,China's commercial banks should pay more attention to the systemic risk transmission and user information security protection,the organic connection between bank credit and Internet finance and guarantee of the subjective initiative of supply and demand,and help the healthy and orderly development of China's digital credit business through the innovation of science and technology and management mode.

关 键 词：信贷错配 金融科技 数字经济 产业升级 

分 类 号：F830[经济管理—金融学]