基于G2B跨组织信息共享视角的“信贷规模歧视”应对研究

Dealing with "Credit Discrimination against SME":Perspective from Cross Organization Information Sharing of G2B E-government

针对"信贷规模歧视"问题,通过归因分析,识别"信贷规模歧视"的原因,并对企业、银行、政府的目标进行界定,为电子政务服务设计提供了前提依据;通过政府角色定位研究以及国外信用信息共享模式分析,为电子政务服务设计提供了实践借鉴;最后,通过政策法规、现实国情和理论基础的分析,构建了跨组织信息共享服务价值网络和服务模式,进而设计了基于电子政务的中小企业信贷决策和监控服务体系,为"信贷规模歧视"的解决提供了一个新的视角。

To deal with the problem of ＂credit discrimination of SME＂, we first identify the underlying reasons and the objectives of firms, banks, and governments in loaning SME through attribution analysis. The analysis forms the basis of E-government services design. The Role of government and the mode of credit information sharing in foreign countries are then analyzed, and it can be valued as the practical basis of E-government services design~ Based on the policies, regulations and real situations in China and the theoretical analysis, we construct the value network of cross-organizational information sharing service and the services model, and design E-government service system for SME loan decisions and the monitoring, as a new perspective to solve the problem of loan discrimination.