小企业融资难问题银税大数据平台解决方案研究

Research on Solutions to Small Business Financing Problem with Large Data Platform of Bank Tax

近年来,小企业在国家密集出台的政策扶持下快速发展,小企业融资难是主要试图解决的问题之一。在大数据时代,随着国家政府机关大数据不断开放,小企业征信体系不断完善,互联网+大数据的方式为小企业解决融资难问题提供了路径。文章结合文献研究成果以及国内外实践得失,分析了现有大数据模块方案和平台方案,提出对银税合作框架和细节不断进行完善、开辟银税通项目专属对接系统、税务部门应每年对辖内所有纳税企业进行联合评价以及银行应运用大数据分析对优质客户进行主动授信等应用前景改进建议。

In recent years, with the intensive national policy support, the small enterprises have developed rapidly, but small business financing is one of the main problems. In the era of big data, as the national government big data continues to open up, the small enterprise credit system continuously improves with Internet plus big data serving as a path to solving the problem of financing of small enterprises. Based on the literature research and practice at home and abroad and analysis of the existing big data platform and module design scheme, the paper proposes suggestions： cooperation framework and improvement of details, opening of specific docking system for bank tax, annual joint evaluation of the tax jurisdiction of all enterprises and proactive credit to quality customers through analysis of large data.