大数据时代企业供应链融资模式创新研究——以海南中小微企业为例

Research on Innovation of Supply Chain Financing Models for Small and Medium sized Enterprises in Hainan in the Era of Big Data

中小微企业融资难、融资贵、融资慢一直是我国中小微企业健康发展的一道难题。近年来国家虽然出台众多政策扶持,但由于地理和外在条件的各种原因,海南省的中小微企业“融资难、融资贵”与岛外相比更为突出。传统的供应链融资很难解决中小微企业资金问题,原因是传统供应链融资需要交易主体征信和固定的业务关系。传统的供应链融资需要从人际信任走向数字信任,将企业的经营业务数字化和信息化,真实、客观、全面地反映出供应链运营中的状况和各经营主体在其中的作用。然而,不管是以核心企业为主的供应链融资还是以物流企业为主的“1+N”供应链融资模式,都没有降低企业的融资成本。但随着大数据、人工智能所代表的数智时代技术的创新,以数据为基础充分发挥人工智能的运算和分析能力,成为真正解决“融资难、融资贵”的有效途径。

The difficulty,high cost,and slow financing of small and medium-sized enterprises have always been a challenge for the healthy development of small and medium-sized enterprises in China.In recent years,although the government has provided numerous policy support to small and medium-sized enterprises in Hainan Province,due to various geographical and external factors,the difficulty and high cost of financing are more prominent compared to those outside the island.Traditional supply chain financing is difficult to solve the funding problem of small and medium-sized enterprises,as it requires credit reporting from trading entities and fixed business relationships.Traditional supply chain financing needs to move from interpersonal trust to digital trust,digitizing and informationizing the business operations of enterprises to truly,objectively,and comprehensively reflect the status of supply chain operations and the role of various business entities in them.However,neither the supply chain financing model dominated by core enterprises nor the“1+N”supply chain financing model dominated by logistics enterprises has reduced the financing costs of enterprises.But with the innovation of digital technology represented by big data and artificial intelligence,fully utilizing the computing and analytical capabilities of artificial intelligence based on data has become an effective way to truly solve the problem of“difficult and expensive financing”.