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金融科技让小微企业融资更方便

2017-09-26 07:33:04   中国经济网

全国金融工作会议指出,金融是实体经济的血脉,为实体经济服务是金融的天职,是金融的宗旨,也是防范金融风险的根本举措。要建设普惠金融体系,加强对小微企业、“三农”和偏远地区的金融服务。当前,随着金融科技的发展和应用,银行业如何利用科技手段破解小微企业融资难题?就此,《经济日报》记者采访了中国民生银行党委书记、行长郑万春。

记者:如何看待小微企业融资难问题?

郑万春:小微企业融资难表现在三个方面。一是小微企业金融服务品种少。我国资本市场股票和债券的发行门槛较高,绝大部分小微企业很难达标;二是小微企业获得银行授信难。小微企业普遍存在信用信息缺失、治理水平偏低、财务状况欠佳、抵押担保不足、风险抵御能力偏弱等特征,再加上我国的金融市场还不够发达,尚未形成完善的小微企业抵押担保、信用评价以及资产转移定价体系;三是小微企业金融服务价格高。小微企业的经营风险普遍偏高,风险溢价直接附加到贷款成本上,导致贷款利率高于社会平均水平。

记者:银行业运用金融科技对化解小微企业融资难有哪些帮助?

郑万春:银行业运用金融科技化解小微企业融资难主要表现在三个方面。首先,运用金融科技能丰富小微企业金融服务。银行运用互联网和大数据等技术,努力向“商业银行+交易银行+投资银行”转型,同时与VC、PE、子公司合作或新设机构,为科创型小微企业推出投贷联动业务,针对其不同成长阶段的差异化投融资需求,建立信息共享的利益共同体。银行运用云计算、物联网等技术积极发展供应链金融,通过“物流”“商流”“资金流”“信息流”的多流合一,为供应链中的小微企业提供标准化、低门槛、高效率的网络融资服务,切实盘活整条供应链运转。银行还可深度挖掘自身积累的大量数据,为海内外相关企业提供财务咨询、客户配对、线上交流、线下对接等撮合服务,丰富小微企业融资渠道。

其次,运用金融科技能减少小微企业授信难度。银行积极应用大数据、物联网技术,发展场景金融,利用网上沉淀的大量经营数据,为小微企业客户精准画像,让数据资产成为小微企业看得见、摸得到的“实际资产”,有效提升其资信水平。银行记录并挖掘企业上下游、生产经营、信用状况、商品流、资金流等多维度、立体化信息,运用大数据、云计算和人工智能技术,建立全新的征信、授信与信用风险定价系统,克服单个小微企业信用信息不透明的难题,有效提升授信额度。银行正积极研究区块链技术,力争尽快应用到增信、小额信贷、跨境支付、数字票据和抵押品管理等业务领域,降低小微企业信用风险,进而降低融资难度。

再次,运用金融科技能降低小微企业融资成本。银行充分利用大数据、人工智能技术,适应新形势下的风险评估和控制模式,创新线上信贷产品研发,优化风险评估机制,针对小微企业客户的信贷业务,提供贷款申请、电子合同签订、提款和还款等一揽子便捷高效的线上服务,有效缓解了小微企业融资贵问题。同时,银行还借助新技术,大力发展小微企业应收账款融资业务,有效盘活小微企业存量资产,提高融资效率,降低融资成本。

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