基于多方利益主体需求视角探索小微企业银行信贷融资

Explore bank credit financing in small and micro enterprises based on the demand perspective of multiple stakeholders

从我国企业融资结构看小微企业融资,发现占“大头”的仍然是银行贷款。小微企业的轻资产决定了其难以获取抵押贷款、担保贷款,银行信用贷款就成为解决小微企业融资难和融资贵问题的主要途径之一。基于此,文章从多方利益主体需求视角,提出构建“互联网+会计工厂”平台思路,联合银行、数据公司,探索“平台+银行+数据公司”模式。在这种模式下,银行既能获取来自第三方平台提供的小微企业财税信息,又能获得来自数据公司整合的小微企业公共信用信息和社会商业信息。多维度的信息获取,多方信息交叉验证,充分降低小微企业与银行之间的信息不对称,助力小微企业银行信贷融资。

Looking at the financing structure of small and micro enterprises in China,it is found that bank loans account for the majority of the financing.The asset-light of small and micro enterprises determines that mortgage loans and secured loans are difficult to obtain,and bank credit loans have become one of the main ways to solve the problem of difficult financing and expensive financing for small and micro enterprises.Based on this,from the demand perspective of multiple stakeholders,this article puts forward“internet+accounting factory”platform which unions bank the data company to explore the“platform+bank+data”model.In this model,the bank not only can get the financial information from the third party,but also can obtain the integrated data of public credit information and business information in society.Multi-dimensional information acquisition and multi-party information cross-validation can fully reduce the information asymmetry between small and micro enterprises and Banks,and help small and micro enterprises in bank credit financing.