大数据思维下的民营企业信用指数的构建

Construction of Credit Index of Private Enterprises under the Thought of Big Data

改革开放40年来,民营企业虽然为我国的经济建设做出了巨大的贡献,但是获得的金融支持却极不对称,融资难、融资贵的问题已经成为制约民营企业发展的首要因素,而问题的本质就是信用问题。大数据思维可以解决长期困扰民营企业信用信息问题,重构信用制度与信用评价体系,并以指数的方法从区域、行业或是产业集群的宏观视角去研究民营企业的信用。

Since the reform and opening up 40 years ago, although private enterprises have made great contributions to China’s economic construction, their financial support is extremely asymmetric. The problem of difficult and expensive financing has become the primary factor restricting the development of private enterprises. The essence of the problem is the credit problem. the thinking of big data can solve the credit information problems that have long troubled private enterprises, reconstruct the credit system and credit evaluation system, and study the credit of private enterprises with the method of index from the macro perspective of regions, industries or industrial clusters.