摘要
针对中国中小企业融资难、融资贵问题,研究"数据质押"这一新型供应链融资模式,界定数据质押的概念内涵,建立协同运作模型,介绍主要融资步骤。最后,依托LED产业服务平台,构建融资生态系统,介绍此种模式的运作流程。该模式能够实现数据的互联互通,促使融资参与主体形成共享利益风险的机制,降低风险指数,改善银企信息不对称,提高融资效率,降低银企双方交易成本,优化金融资源配置,有效解决中小企业外源性融资难题。
Data has become the core of financial services under big data environment, which proposed new development re- quirements to supply chain finance. Aiming at financing problems of most Chinese SMEs, this paper studies a new supply chain financing pattern ＂Data Pledge＂, defines the concept of data pledge, establishes a cooperative operation model to de- scribe its major financing step. Finally, relying on the LED industry service platform, the paper develops a financing eco- system and describes the operational processes of data pledge financing pattern. This paper believes that data pledge can a- chieve interconnecting and interworking of data, prompt SMEs and other financing participants to form a mechanism of sha- ring the benefits and risk, and lower the risks. This pattern also can solve information asymmetry between SEMs and banks, dilute the examination of banks for SMEs, improve financing efficiency, reduce transaction costs and optimize the allocation of financial resources, which is an effective solution to the exogenous financing problems of SMEs.
出处
《科技管理研究》
CSSCI
北大核心
2016年第20期201-205,233,共6页
Science and Technology Management Research
基金
上海市科学技术委员会软科学重点项目"基于高端LED产业集成的创新服务平台系统及应用示范"(14521103600)
关键词
供应链金融
数据质押
信息不对称
融资成本
生态系统
data pledge
supply chain finance
information asymmetry
financing cost
ecosystem
