中小企业平台金融服务模式研究——基于平台经济理论与发展的应用

The Research on Financial Services Platform Mode for Small and Medium-sized Enterprises——Based on the Application of Platform Economic Theory and Development

本文对平台金融特质与效应进行了详细分析,提出平台金融服务模式的构建原则与要式,平台经济目前已日渐成为现代服务经济中最具活力的模式,针对平台金融运作过程中问题,商业银行还需要继续深化多元合作,建立网络平台数据库,加强与政府平台、工商平台的合作;完善信用指标评价体系,利用金融渠道与互联网推广平台经济理念等。

The paper analyzes the characteristics and effects of platform finance in detail, and puts forward principles and modes of constructing platform financial service mode. Since the platform economy has increasingly become the most dynamic mode of modern service economy, aiming at the problems which emerge in the process of platform finance operation, commercial banks need to continue to deepen cooperation, build a network platform database, strengthen the cooperation with the platform of the government and industry and commerce, perfect credit index evaluation system, take advantage of financial channels and Intemet to promote the ideas of platform of economy.