Bank-enterprise Credit Model And Optimization:Theory And Demonstration

At present,due to the restrictions of traditional business rules of banks,the lack of sustainable collateral,the relative isolation of capital flow and data flow,the low degree of information integration and servitization restricts banks from providing credit support to small and medium-sized enterprises.This paper analyzes the impact of enterprise information-discrimination cost,enterprise default cost,risk bearing cost,platform establishment cost and other factors on the financing of cross-border e-commerce enterprises,and puts forward corresponding countermeasures and suggestions.It provides practical guidance for solving the financing problems of enterprises.On the analysis of the existing models,this paper tries to construct a theory model of information asymmetry based on analyzing the traditional model and other innovative model.To explore whether the new credit model of cooperation between banks and third-party cross-border e-commerce platforms can effectively alleviate the current financing problems of enterprises.It is necessary to find the operation mechanism and conditions for success,and explains the mechanism of reducing information asymmetry of cross-border ecommerce platform,so as to provide corresponding theoretical support for the future development direction of this new supply chain finance model.In order to test the theoretical results,the third part of this paper considers the financing status of crossborder e-commerce enterprises on the Shenzhen SME board.With the development of cross-border ecommerce platform,by increasing the cost of enterprise default,the cost of enterprise information discrimination and other mechanisms,the types of enterprise credit are exposed.The degree of information asymmetry between banks and enterprises is reduced,which provides factual evidence for the theoretical results and further effectively explains the new credit model of banks providing loans to SME in the crossborder e-commerce environment.Under the screening mechanism of bonded collateral and real-time sharing of cross-border e-commerce data,SME that cannot get credit through traditional channels can get bank loans again,accumulate credit and get the help of professional bank risk control under the new model.This paper provides a theoretical basis for the development of this innovative credit model.At the same time,under the traditional bank-enterprise credit operation mechanism,SME with low risks is restricted by credit rationing because they cannot provide sufficient collateral.But they can get the required loans again under the new model,which further enriches the research content of the existing credit rationing.