大数定律、互联网金融:破解小微企业信贷信用缺失

Law of Large Numbers,Internet Finance:Solve Small Microenterprise Credit Loss

小微企业融资难是制约企业发展的世界性难题。本文认为,信贷信用缺失造成的信贷风险不可控以及小微企业融资悖论的存在,是导致其融资困难的主要原因;而增加第三方信用担保,是现阶段一条可行的解决途径。为此,本研究依据大数定律,认为"集约投保+集团承保"的新型信贷保险模式,可以帮助金融放贷机构控制信贷风险。然后,根据该保险模式的三个内在要求,提出政府应该跳出传统的补贴、拨款等扶持手段,利用自身公信力搭建一个"信息信用信贷平台"的互联网金融新模式,并在平台上建立强制性小额保险制度。

Small micro enterprise financing difficulty is the worldwide problem, which restricts the development of the enterprise. This paper argues that lack of credit credit risk caused by uncontrolled micro and small enterprises financing the paradox of existence, is a major cause of leading to their financing difficulties ; Increased credit guarantee by a third party, is a feasible solution at the moment. Therefore, this study based on the law of large numbers that cover group insurance ＂intensive＂ new credit insurance pattern, can help financial lending institutions to control credit risk. Then, according to the three inner requirements of the insurance mode, pointing out that the government should jump out of the traditional means of subsidies, grants other support, using its own credibility to build a ＂credit credit information platform＂ of the Internet financial mode, and build small compulsory insurance system on the platform.