借鉴电商信贷模式 再造泉州金融改革活力

Electricity Supplier Credit Model:Enlightenments to and Renovation of Quanzhou Financial Reform

阿里巴巴电商信贷模式极大地改善了资金配置的效率,其效率改进机理是:多重筛选机制解决信贷中的信息不对称问题;风险评估与分散机制平抑信贷风险;市场运营互联网化,大幅降低交易成本;信息化技术催生方便、快捷的金融服务等。金融抑制导致资金配置低效率,泉州金融改革归根到底要解决实体企业融资定价问题及融资效率问题。推进泉州金融改革可以借鉴电商信贷模式,再造效率、增强活力:整合大数据,实现对电商信用的认可;运用信息技术,创新融资模式与产品;建立社会信用体系,加强风险控制;完善市场机制,保障平等享有金融服务。

Financial repression leads to inefficient capital allocation and Quanzhou financial reform is facing the problem of corporate financing price and financing efficiency.However,Alibaba electricity supplier credit model has greatly improved the efficiency of capital allocation with the following mechanism:to solve the problem of asymmetric information in credit with multiple screening mechanism;to stabilize credit with risk assessment and risk spreading mechanism;to reduce transaction costs significantly with internet-based market operations;to breed convenient and efficient financial service with information technology.Quanzhou financial reform and the efficiency of capital allocation can be improved with the electricity supplier credit mechanism in the following ways:to achieve the recognition of the electricity supplier credit by integrating large data;to innovate financing models and products with information technology;to strengthen risk control with a social credit system;to ensure equal access to financial services by improving market mechanism.