Research On The Construction And Development Of Local Credit Investigation Platform In Yunnan Province

As the main force to promote national economic growth and boost the development of social production,micro,small and medium-sized enterprises play an irreplaceable role in deepening innovation and bearing employment.However,difficulties such as difficult and expensive financing and cumbersome procedures have always been the main obstacles restricting their development.In order to further enhance the role of small,medium and micro enterprises in driving the economic market,we must continue to optimize the financing environment of small,medium and micro enterprises,and give them solid financing facilities.As a subsystem of financial industry,credit investigation industry can play a significant role in matching supply and demand of funds and preventing financial risks.In order to achieve the goal of improving the financing environment of small,medium and micro enterprises,it is necessary to improve the credit information system and credit information facilities to consolidate the credit foundation,and the construction of local credit information platform according to local conditions is an effective way to achieve this goal.The local credit investigation platform is an information sharing platform for digital collection,processing and integration of various credit information generated by relevant government departments,financial institutions and other units in the region in the process of performing public management functions,so as to realize the interconnection of credit information.The local credit investigation platform is one of the important local financial infrastructures as the necessary supplement of credit investigation system in our country.The platform can highly match the actual local needs,and has special advantages such as micro fine processing and matching the supply and demand of funds.Therefore,the construction of local credit investigation platform can greatly improve the loan rate of local micro,small and medium-sized enterprises,and has many positive benefits for local economic development.At present,a number of provinces and cities have established local credit investigation platforms.From the actual situation,local credit investigation platforms can effectively overcome the credit risks caused by information asymmetry and adverse selection,provide credit rating reference for financial institutions’ lending business,save information costs,and create a space for loan interest rate to fall.Let small,medium and micro enterprises really enjoy convenient and low-cost capital supply,so as to improve the production enthusiasm of small,medium and micro enterprises.Firstly,this paper reviews the literature on the construction of credit investigation system at home and abroad,sorts out the development process of credit investigation and the system differentiation of credit investigation system in various countries,and makes a systematic analysis of the advantages and disadvantages of the main private mode,public mode,membership mode and mixed mode,and compares the two existing official credit investigation systems.Then,taking the existing framework of China’s credit investigation system as the basis of this study,the author extensively collected various materials,deeply understood and compared the local credit investigation platforms established by the very representative Taizhou model and Suzhou model,and summarized the objective law of the construction and development of local credit investigation platforms.Then,the construction path,platform structure and operation of the local credit investigation platform in Yunnan Province were sorted out.After collecting questionnaire information,entropy method is used to calculate the weight of each evaluation index on the platform service satisfaction,so as to objectively evaluate the platform users’ satisfaction with the platform service.In addition,this paper uses the questionnaire data to carry out multiple linear regression,and analyzes the results.Then,using questionnaire results,expert interview records and other first-hand data combined with the construction of local credit investigation platforms in other provinces,This paper sorts out six problems of local credit investigation platform in Yunnan province,such as single data source due to lack of publicity,lack of laws and regulations for local credit investigation platform,data collection,processing and sharing still need to be improved,hidden dangers of information security,shortcomings of platform service function,excessive reliance on government resources.As a result,the effectiveness of the platform in serving the local economy cannot be fully released.Yunnan provincial credit investigation platform--Yunnan Provincial credit Investigation and Financing Service Platform has opened up a new path for the inclusive support of small,medium and micro enterprises in the province since its launch in September 2022.In order to enable the young Yunnan local credit investigation platform to constantly improve itself in the process of construction and development and improve its service ability to local enterprises,this paper,guided by the strategic plan for the future development of Yunnan Province and relying on the application of big data,blockchain and other digital technologies,points out the direction for the next construction and development of Yunnan local credit investigation platform: First,comprehensively carry out credit investigation and publicity,adhere to the normalization of multi-department joint promotion,and expand the social publicity channels of the platform;Second,accelerate the formulation of laws and regulations for local credit investigation platforms;Third,we should unify data collection standards and strengthen data processing and sharing capabilities.Fourth,by making full use of the advantages of digital technology and improving the internal management mechanism of the platform to avoid the risk of information leakage;Fifth,improve the platform’s service capacity by enriching financial products and increasing credit repair functions;Sixth,we should deepen the unimpeded cooperation and exchange mechanism with government departments to form mutually reinforcing and benign interactions.Seventh,suggestions on the improvement of the platform are put forward from seven aspects such as dialectically absorbing the innovation achievements of various platforms,and the future development path of the platform is looked forward from three aspects: gradually promoting the construction of the prefecture-city platform,facilitating the cross-border trade of Yunnan enterprises,and joining the national credit integration platform.The research in this paper can help the platform to find and properly deal with some shortcomings at the present stage,so as to further expand the coverage of the platform,improve the performance of the platform,provide more financing facilities for local micro,small and medium-sized enterprises,and provide quality services for enterprises’ cross-border trade,so as to further optimize the overall credit investigation environment in China.To facilitate an early recovery and steady growth of the macro economy in the post-COVID-19 era.