基于大数据的科技型中小企业信用评级体系构建研究--以张江企业信用体系为例

Research on the Construction of Credit Rating System for Technological SMEs Based on Big Data--Take Zhangjiang Enterprise Credit System as an Example

大数据时代已经到来,利用大数据可以采集海量信用数据,让科技型中小企业的信用可以被看见,进而解决其融资难的问题。立足于大数据征信,对基于大数据的科技型中小企业信用评级体系构建进行研究,深入剖析“信用张江”体系,呈现了其“一个数据库”“一套评价体系”“多个应用领域”的基本框架,最后针对张江模式的推广,从信用体系建设方案、信用信息平台建设、信用担保环境、信用服务环境和园区信用文化氛围等五个方面给出建议。

The era of big data has arrived.Based on big data,massive credit data can be collected,so that the credit of small and medium-sized technology enterprises can be seen,and the problem of financing difficulties can be solved.Based on big data credit investigation,this article conducts research on the construction of big data-based credit rating system for technology-based small and medium-sized enterprises,deeply analyzes the“Credit Zhangjiang”system,and presents its“one database”,“a set of evaluation system”,and“multiple application fields”.Finally,in view of the promotion of Zhangjiang Model,countermeasures and suggestions are given in five aspects:credit system construction scheme,credit information platform construction,credit guarantee environment,credit service environment and credit culture atmosphere of the park.