基于供应链模式的小微企业融资服务平台创新

Financing Service Platform Creation for Small and Micro Businesses Based on a Supply Chain Model

商业银行现存供应链融资模式呈现出量身打造不同的担保方或担保品、需要优质核心企业的特点。供应链融资模式可以很好地为小微企业解决融资难的问题,但供应链融资产品的使用率并不是很高,银行与企业之间信息不对称是主要原因。供应链融资平台成功运行,需要解决数据库建立问题,需要一定的技术支持和大量资金支撑。数据库的建立需要政府与专业的数据分析公司合作,利用大数据、云计算等技术,构建相关分析模型,可以同时为商业银行和小微企业提供了便利。小微金融服务平台提供的融资产品信息不仅来自于商业银行,还有一些担保机构、专业金融机构的服务信息。为了使平台能更好地为小微企业服务,平台还可以引入第三方物流信息。

Customized guarantee or collateral and the requirement of high quality core enterprises are the features of current supply chain financing model of commercial banks. Supply chain financing can help overcome the financial difficulties of small and micro businesses;however, the usage rate of supply chain financing products is not high, mainly caused by asymmetric information between the banks and enterprises. Successful operation of the supply chain financing platform requires establishing a database, technological support and large amount of fund. The database could be built with the cooperation between the government and professional data analysis companies. By using the technology of big data and cloud computing, a relative analysis model could be established offering convenience to both commer-cial banks and small and micro businesses. The information about financial products of the service platform comes from commercial banks, some guarantee agencies and professional financial institutions as well. To offer better service to small and micro businesses, the platform could also bring in third-party logistics information.