信息不对称、金融科技与中小微企业融资

Information Asymmetry:Financial Technology and Financing Small,Medium and Micro Businesses

中小微企业是国民经济的重要基础,发展中普遍存在融资难、融资贵、融资少、融资缓问题。为此,充分发挥公共信用信息作用,支持银行提供更为便捷、充分的融资服务,是促进中小微企业发展的重要探索,是强化信用赋能效应的重要实践,更是推进普惠金融的重要创新。

Small,medium and micro businesses are a critical component of the national economy.Higher cost financing and difficulties in obtaining financing are common complaints of smaller businesses.In order to promote this segment of the economy,China needs to give full play to the role of accessible public credit information.There is also a need to enable banks to provide more convenient financing services to these smaller companies and promote inclusive finance.