以征信平台推动商业银行的中小企业融资业务——关于延伸与追踪中小企业信用记录的方案思考

Impelling Commercial Banks'Financing Business for SME with Credit Investigation Plat: Thoughts on Scheme of Extending and Tracing for SME's Credit Record

本文分析了国内商业银行的中小企业融资环境方面的问题,并从个人征信和中小企业征信相互参考的思路上,提出了改进征信结构的建议。本文阐述了改进方案的可行性和必要性,提出了具体的改进方法,并对不同方法以及商业银行的应用方式进行了具体分析。本文提出的对征信平台改进的方法,可以在不改变现有征信数据源的情况下,在时间上充分延伸中小企业的信用参考信息,提高商业银行对中小企业信用的辨识能力,在一定程度上,可以弥补现有法规、担保体系的不足,推动商业银行中小企业融资业务的开展。

The problems of native financing environment for SME that banks faced are analyzed in this article,and a suggestion of appending credit investigation intersection is proposed,the thinking is to improve the reference between personal credit investigation and SME credit investigation,and the necessity and feasibility are stated.The improving methods are proposed,and each is analyzed in detail,as well as the means that banks use it.The method proposed in this article,could advance banks’rating capability for SME by means of attending reference time for credit,without appending the data source,and in some degrees,it can mend the lack of existing laws and rules,guaranty system,so as to impel banks’SME financing business.