| With the continuous development of the market economy,small and medium-sized enterprises,which account for the vast majority of the total number of enterprises,play an important role in promoting the development of the market economy and maintaining social stability,and are crucial for ensuring regional economic growth,alleviating employment pressure and optimizing social production structure.However,due to the limitation of their own credit information and other conditions,small and medium-sized enterprises,as the weak link of the real economy,still have outstanding problems such as difficult and expensive financing,and it is urgent to find a good solution to this problem.In recent years,local credit information service platforms based on big data credit information have been built all over the country,which has played a key role in breaking the information asymmetry and "information islands" of social subjects,and has also become a new breakthrough to solve the financing problems of small and medium-sized enterprises.At the same time,Anhui Province has always attached great importance to financial services to the real economy,collecting credit data,alleviate the information asymmetry of social subjects,reduce the financing costs of small and medium-sized enterprises and improve the quality and efficiency of financial services to the real economy.The Anhui provincial government clearly pointed out that building a comprehensive financial service platform for small and medium-sized enterprises is an important measure to improve the financing service mechanism for SMEs.Therefore,by using the methods of literature study,case analysis and investigation analysis,this paper takes the comprehensive financial service platform in Anhui Province as the research object,expounds the related concepts of the comprehensive financial service platform and its theoretical basis for supporting small and medium-sized enterprises’ financing,and reveals the positive role of establishing the comprehensive financial service platform.In order to ensure the practical significance of the research,based on the analysis of the functional structure and operation mode of Anhui Province’s integrated financial service platform,through on-the-spot investigation and interview,this paper finds that the platform’s practice for financing small and micro enterprises mainly includes three aspects: integrating financial policies to strengthen enterprise docking,promoting credit reporting services to help financial institutions make decisions and pooling financial resources to serve the development of the real economy.Through investigation,it is found that the comprehensive financial service platform in Anhui Province has achieved remarkable results in supporting the financing of small and micro enterprises,but at the same time,the platform still has shortcomings in data collection,data standards and marketoriented operation.Based on this,this paper briefly analyzes the relevant domestic cases,draws some experience from the integrated financial service platform,and puts forward four specific suggestions for improvement: strengthening data collection and management of the platform,strengthening external communication and cooperation,strengthening government support,and promoting the market-oriented operation of the platform.It is hoped that this study will enrich the theoretical research on the construction of credit information service platform and provide useful reference for the construction of credit information service platform in other places. |
