激励相容机制下的第三方信用挖掘:光大银行税贷易案例

The Third Party Credit Mining Based on Incentive Compatible Mechanism:A Case of China Everbright Bank Easy for Taxation and Loan

信息不对称和抵押品缺失导致的企业资信程度低是小微企业融资难公认的原因,在强制信贷配给要求下,商业银行在小微企业信用挖掘和改进抵押担保措施方面进行了各种创新。通过对光大银行的创新产品"税贷易"进行研究后认为,强制信贷配给需要有效的信用甄别手段,在有效甄别贷款对象方面,利用纳税信用对识别企业资信状况起到了积极作用。另外,大数据思维的运用以及激励相容制度的设计在银行识别企业风险方面起到了重要的作用。

The low enterprise credit level resulting from information recognized cause for small and micro businesses financing dilemma. rationing, various innovations have been made in the commercial banks asymmetry and lack of collateral is the In the requirement for compulsory credit regarding small and micro enterprise credit mining and collateral measures improvement. Based on the research on China Everbright Bank innovation product easy for taxation and loan, it＇ s stated that compulsory credit rationing requires effective means of credit screening, and for effectively screening borrowers, the use of taxation credit has played a positive role in identifying corporate credit conditions. In addition, the use of big data thinking and the design of incentive compatible system have played an important role in recognizing corporate risks.