摘要
小微企业融资难一直是社会各界关注的问题,政策指引下地方征信平台的建设为解决小微企业融资信息不对称、缓解融资难融资贵问题提供了新的路径。以青海省地方征信平台为例,从“青信融”平台服务小微企业融资实践出发,结合国内外经验启示,分析地方征信平台服务小微企业面临的制约因素,并提出通过拓展应用场景、提升数据质量、实行实体化运营并逐步建立全国统一征信平台来满足小微企业多元化融资需求,以实现平台和企业的可持续发展等建议。
The financing difficulty of small and micro enterprises has been a long-term concern of all sectors of society.The construction of local credit information platform under the guidance of policies provides a new path to solve the financing information asymmetry of small and micro enterprises.Taking the local credit information platform of Qinghai Province as an example,starting from the practice of“Qingxinfinance”platform serving small and micro enterprises’financing,combined with domestic and foreign experiences,this paper analyzes the constraints faced by local credit information platform serving small and micro enterprises.It also puts forward suggestions to meet the diversified financing needs of small and micro enterprises by expanding application scenarios,improving data quality,implementing substantive operation and gradually establishing a national unified credit information platform,so as to achieve sustainable development of the platform and enterprises.
作者
周育栋
Zhou Yudong(Qinghai Branch of the People’s Bank of China,Xining 630100,Qinghai,China)
出处
《征信》
北大核心
2025年第1期53-58,共6页
Credit Reference
关键词
地方征信平台
小微企业
融资服务
local credit information platform
small and micro enterprises
financing service
